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
“Loved this home loan. I used this company after Chase Bank missed my closing. Best Suited found me a cheap refinance loan and got it done quickly. Could not be happier.”
Blake DeWitt
Jun 2025 · Google
“Nick had laser focus and was extremely attentive to every detail of my loan. He always kept me up to date and made sure everything was taken care of. The most pleasant mortgage experience I've had.”
Andre Douglas
Oct 2021 · Google
“Nick has been the consummate professional — very knowledgeable regarding financing options and extremely patient in answering questions. I totally trust Nick and would recommend him without reservation.”
Monty Sharp
Nov 2021 · Google
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.