Generally, there is no way to modify the terms and conditions of a first mortgage on the debtor's principal residence, unless the last payment on the 1st comes due before the end of the bankruptcy plan -- in which case any remaining balance due can be deemed unsecured and discharged at the end of the plan.
On the other hand, 2nd loans, where the 1st loan balance is greater than the fair market value of the property, can be completely discharged at the end of the Chapter 13.
Hope this helps.
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