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.

The Four Texas Bankruptcy Districts

Texas has four federal bankruptcy districts. Each has its own bankruptcy court, standing Chapter 13 trustees, and divisional structure. The district a case is filed in is determined by where the debtor lives — not by attorney or lender choice:

Northern District of Texas (Dallas/Fort Worth)

Covers the DFW metro and surrounding North Texas counties. Divisions include Dallas and Fort Worth, each with separate trustee offices. The Northern District is one of the highest-volume Chapter 13 districts in Texas. Motions to incur debt and motions to refinance are routine filings in this district.

Southern District of Texas (Houston)

The highest-volume bankruptcy district in Texas. Divisions include Houston, Corpus Christi, McAllen, and Laredo. The Southern District’s high caseload means thorough documentation is especially important when filing motions — trustees have less capacity to chase down missing items.

Eastern District of Texas (Tyler)

Covers East Texas with divisions in Tyler, Beaumont, Sherman, Plano, and Marshall. Lower caseload volume relative to Dallas and Houston. Cases in this district are generally filed in Tyler, though the specific division depends on where the debtor resides.

Western District of Texas (Austin/San Antonio)

Covers Central and West Texas with divisions in Austin, San Antonio, Waco, El Paso, and Midland. One of the fastest-growing districts in Texas, tracking population shifts into Central Texas. The trustee assigned to a case varies by division and docket — your client’s attorney will know who they’re filing in front of.

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.