Best Suited Mortgage · NMLS #2622691 · Licensed in Texas
Texas Bankruptcy.
Real Mortgage Solutions.
Whether you’re buying, refinancing, or still in your plan — there’s likely a path forward. We know the rules, the motion practice, and the four Texas districts. We’ve done this before.
Resources
The questions Texas bankruptcy borrowers actually ask.
Active Chapter 13
Buying a Home While in Chapter 13
FHA and VA loans are available while your plan is still active. 12 months on-time payments. Trustee approval required.
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Active Chapter 13
Refinancing During Chapter 13
A refinance during your plan can cure mortgage arrears, lower your rate, and accelerate plan completion.
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Post-Bankruptcy
Refinancing After Bankruptcy in Texas
Waiting periods by loan type. Texas Section 50(a)(6) home equity rules. Rate-and-term vs. cash-out distinctions.
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Chapter 7
Ch. 7 Waiting Periods — Texas
FHA: 2 years. VA: 2 years. Conventional: 4 years (2 with extenuating circumstances). Clock starts at discharge — not filing.
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Post-Discharge
Mortgage After Chapter 13 Discharge
FHA and VA are eligible immediately after discharge. Conventional requires 2 years. Know the difference.
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Bankruptcy Attorneys
A Referral Partner Who Knows Bankruptcy
We understand motion practice, trustee norms across all four Texas districts, and how to pre-qualify clients before the motion is filed.
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Serving Texas
Local knowledge across Texas’s major markets.
Every city is in a different federal bankruptcy district. Every district has different trustee norms. We know the difference — and it matters.
Google Reviews · 5.0 ★
What clients are saying.
20 reviews · All 5 stars
“I was 14 months into my Chapter 13 plan and didn't think buying a home was even possible. Nick walked me through exactly what the trustee needed, got court approval handled, and we closed in 38 days. My attorney was genuinely impressed.”
Darnell W.
Feb 2025
“Two years after my Chapter 7 discharge I was told by three lenders I had to wait longer. Nick knew the FHA seasoning rules cold and had me under contract within a week. He knew what he was talking about from day one.”
Sandra M.
Aug 2024
“We needed to refinance while still in our Ch. 13 plan to lower our payment. Nick coordinated directly with our bankruptcy attorney and the trustee. Most lenders won't even take the call — he closed it without a hitch.”
James & Tonya R.
Nov 2024
Ready to find out where you stand?
No credit pull. No commitment. A straightforward conversation about what’s possible given your specific situation — chapter, district, timeline.