Most mortgages take longer than the five years to pay, and therefore, mortgages are normally paid directly. In the usual case, you will make mortgage payments each month in the regular amount as they come due in the future. In Chapter 13, only the “arrearage” (amount needed to bring the mortgage current as of the date of bankruptcy) is paid “through the plan”. The Chapter 13 Trustee catches up the “arrearage” over time with your “plan payments”.