Bankruptcy Law Questions? Ask a Bankruptcy Lawyer.
Is this for a first or second mortgage?
It is generally best to pay secured creditors outside the plan, and this is what is routinely done. Not only does this reduce the trustee's fee, but it also provides greater assurance that the important secured loans (mortgage, car) are paid on time. If these are paid through the plan, the trustee must wait until the debtor's check clears, and then send another check to the creditors. If the check is not in place by the due date, those creditors can file a motion to lift the automatic stay.
There is no benefit for the debtor's attorney to include the mortgage payment in the plan.