What does a 36 month commitment mean in a chapter 13?

I am working with a company to refinance my mortgage into a much lower fixed interest rate. I have a lender who has approved my loan, but when I called my bankruptcy attroney to get some papers, his assistant told me have a “36 month commitment period” an I can’t refinance my house to pay off the bankruptcy for 36 months (I have been in the chapter 13 for 13 months with no late or missed payments). Is there any way around this? The guy I’m working with at the mortgage company said he has refinanced dozens of people out of chapter 13’s and has never heard of this.

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