U.S. Bankruptcy Judge Jeff Bohm sitting in Houston, Texas held that a chapter 13 plan could provide for the early, full payoff of a mortgage loan on a debtor's principal residence within the 5 year term of the plan, without the plan violating the "anti-modification" provision of Bankruptcy Code Section 1322(b)(2). In re Gaetje, Case No. 15-30130, U.S. Bankruptcy Court, S.D. Texas 2015.

So you are permitted to pay off your mortgage on your principal residence early in chapter 13 (subject to objections on other grounds), but the mortgage would still have to be paid in full during the maximum 5 year term of the plan, and you cannot change the interest rate. For most people, this would be unaffordable; but at least it is an option.

J Thomas Black
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Board Certified, Consumer Bankruptcy Law- Texas Board of Legal Specialization