First you can't re-open your case to reaffirm a debt - at least not in my experience. Many lawyers advise their clients not to reaffirm any debts - there are good reasons for both sides and only the client after careful consideration can decide what is best for them.
Generally the HAMP guidelines do not prohibit a loan modification after bankruptcy. Although, many mortgage companies will not consider a loan modification if you are not late on your mortgage payments (even though the guidelines do not prohibit mortgage which are current to be modified). I advise my clients to try again once they have been denied a loan modification - they try again if denied again. I have seen modification after 5 or 6 attempts. So, don't take no for an answer. KEEP TRYING.
Finally, if you refinance your mortgage (rather than modify your existing mortgage) you are establishing liability under the new loan- that loan has not been discharged in bankruptcy. So, before you refinance, take a long hard look at your financial situation and make sure the liability is justified.
I hope this helps.
Steven A. Leahy
Please note that the above is not intended as legal advice, it is for educational purposes only. No attorney-client relationship is created or is intended to be created hereby. You should contact a local attorney to discuss and to obtain legal advice.
I would talk to another lender about refinancing in about a year and also apply for a loan modification to temporarily lower your interest. I have a friend that works in the real estate department of a local credit union who would be happy to talk to you once two years have passed. Call & speak to me personally & I will give you her contact info.
Most people in Las Vegas are underwater on their homes. If this is you, I would urge you to return to your bankruptcy attorney to discuss other strategies to save yourself some money.