A Mortgage Partner Who Understands Bankruptcy — For Texas Attorneys

What We Know

We understand the procedural landscape your clients are navigating:

• Motion to incur debt — the filing required before any new mortgage closes during an active Chapter 13 plan. We pre-qualify clients before the motion is filed, so the motion references a real loan with real terms — not a hypothetical.
• Motion to refinance — structurally distinct from a motion to incur debt. We understand what trustees need to see in the motion: proposed new terms, payoff structure, budget analysis, and how arrearage proceeds will flow.
• Trustee approval timelines— motion processing timelines vary across Texas bankruptcy courts and trustees. We pre-qualify borrowers before the motion is filed and build realistic loan timelines so the process doesn’t stall on the mortgage side.
• FHA Handbook 4000.1 and VA Lender Handbook guidelines— the actual rules that govern lending during and after Chapter 13. We know what the agencies require and we don’t misrepresent eligibility to your clients.

Working Across All Four Texas Districts

Texas has four federal bankruptcy districts — Northern, Southern, Eastern, and Western — each with its own courts, trustees, and procedural expectations. You know your district far better than we do, and we’re not here to tell you how it works.

We work with clients across all four. When you refer a client, let us know the district and any procedural context that matters — we’ll follow your lead and coordinate our process around what the case requires.

How We Support Your Practice

Pre-Qualification Before the Motion Is Filed

This is the most valuable thing we can offer your practice: a legitimate pre-qualification before you invest time drafting and filing the motion. If the client isn’t going to qualify — because of credit, income, LTV, or property type — you want to know before filing, not after the trustee approves a motion for a loan that can’t close.

We can assess most situations within 24–48 hours of receiving basic client information. If a path exists, we’ll tell you what it looks like. If it doesn’t, we’ll tell you that clearly too.

Direct Coordination With the Closing Process

We coordinate directly with the title company and, as needed, with your office to ensure the closing proceeds align with the approval order. This is not a standard retail mortgage closing — and we don’t treat it like one.

What We Don’t Do

We don’t give legal advice. We don’t recommend whether clients should file for bankruptcy. We don’t represent that a loan will close until underwriting is complete and a clear-to-close has been issued. We understand the line between mortgage origination and legal practice and we stay on our side of it.

The Referral Process

It’s simple. You send us a name, a phone number, a brief description of the situation (chapter, district, plan month, goal), and we take it from there. We contact the client, assess the situation, and report back on what’s possible. You stay in the loop as much or as little as you want.

We don’t require a referral agreement. We don’t pay referral fees (and you shouldn’t accept them — ethics rules in Texas apply). We simply do the work and let the quality of the outcome build the relationship.