Share the basic facts
Tell us about your property, Chapter 13 timing, payment history, estimated mortgage balance and goal. Approximate figures are enough to begin.
The Chapter 13 Mortgage Exit Review
Still in Chapter 13? Get a clear mortgage roadmap.
If you own a home in Washington, refinancing may be one possible path for addressing your mortgage and Chapter 13 plan. Start with a confidential preliminary review—not a promise and not a full loan application.
- ✓No credit pull required simply to discuss your situation
- ✓A review built around equity, payment history and your goals
- ✓Clear next steps: explore now, prepare or pause
Preliminary mortgage review only. Court or trustee authorization may be required. All financing is subject to underwriting and program requirements.
See what your next step could be
Complete the short review. Do not enter Social Security numbers or upload documents here.
Washington focusedMortgage services currently offered in Washington
Chapter 13 experienceA process centered on difficult mortgage scenarios
Preliminary reviewA responsible next step—not a guaranteed approval
How it works
A complicated situation deserves a simple starting point.
The review is designed to identify what may be possible now, what may need to improve and which documents or approvals could matter next.
Receive a preliminary review
We consider the mortgage picture, potential equity, timing and documentation—not just one automated answer or one lender overlay.
Get a clear next step
You may be ready to explore a full application, need a preparation plan or be better served by pausing until specific conditions change.
Possible review outcomes
Clarity is valuable—even when the answer is “not yet.”
A potential mortgage path appears available
We discuss the documentation, underwriting, attorney coordination and any court or trustee approval process that may be required.
A path may exist after specific improvements
You receive a practical preparation list—for example, payment history, equity, credit, income documentation or plan timing.
Refinancing may not be the responsible next step
We explain the mortgage-related reason and what future milestone could justify another review. Your attorney remains the source for legal advice.
Clear boundaries
Mortgage guidance—not legal advice
Goldwire Mortgage, LLC provides mortgage information and preliminary mortgage review. We do not provide bankruptcy legal advice and do not replace your attorney.
A refinance during Chapter 13 may require court or trustee authorization, acceptable plan-payment history, sufficient equity, qualifying income and full lender underwriting. Requirements vary by program and scenario.
Frequently asked questions
Can a homeowner refinance while still in Chapter 13?
It may be possible in some circumstances, but eligibility depends on the loan program, payment history, equity, income, credit, lender requirements and any required court or trustee authorization. A preliminary review helps identify whether a full application may be appropriate.
Do I need to complete my plan before requesting a review?
No. The purpose of the review is to understand your current position and timing. Some borrowers may be ready to explore options; others may need a preparation plan or additional time.
Will this form pull my credit?
No. Submitting this form does not authorize a credit pull. If you later choose to complete a full mortgage application, separate disclosures and authorizations may be required.
Will refinancing automatically pay off my Chapter 13 plan?
No. Refinancing and any use of proceeds remain subject to loan approval, available equity, required payoff information and the applicable legal approval process. No result is guaranteed.
Should I speak with my bankruptcy attorney?
Yes. Your attorney should advise you about bankruptcy law, court procedures and how a proposed mortgage transaction may affect your plan. Goldwire Mortgage handles the mortgage review and can coordinate as appropriate with your authorization.
What should I have ready for the first conversation?
Helpful starting information includes your estimated property value, mortgage balances, Chapter 13 filing or plan timing, payment history, approximate income and the name of your bankruptcy attorney. Do not send sensitive documents through the website form.
A clear next step starts here.
Request the Chapter 13 Mortgage Exit Review or call Alphonso directly.