Hi - my name is XXXXX XXXXX I'm a Bankruptcy litigation attorney. Thanks for using JA! I'll be glad to assist.
Because you didn't reaffirm your mortgage in your bankruptcy, you haven't been given credit for the payments that you've made to keep the loan current by the lender via your credit report. Thus, because your loan appears to be severely in default, the lender won't likely refinance.
The simplest thing would be to do a new loan and have the proceeds pay off the old loan and start anew. However, many lenders aren't willing - or can't get a loan approved - when there's a default loan on your credit report. If the lender is unwilling to make a new loan, the ONLY way you can get your current loan reaffirmed is to file a motion to re-open your bankruptcy and once it is re-opened execute, file and get the reaffirmation
There's no time limit on re-opening a bankruptcy, so you can do this. As long as you can show good cause, the court will re-open the case. You should be able to put on a case for good cause given the fact that you're trying to refinance and save your property, but that you need a reaffirmation to meet the bank's requirements.
Thus, speak to your attorney about re-opening your bankruptcy in order to enter into a reaffirmation agreement. This should get you where you want to be.