Are there lenders who will refinance your mortgage to get out of Chap
13 bankruptcy?  Do you need enough equity to cover your ENTIRE debt or
just the debt in the plan?
(I.E., total default debt=$50000, amount to be  paid in plan $30000

Look at your situation from the lender's perspective.  You can
probably get someone to loan you money if they stand to gain by you
defaulting.  If you have equity, you might get a high rate loan.  Even
if all mortgage companies told you "no,"  a private source might
consider funding the loan *if* there is collateral of some sort.