If your mortgage lender goes bankrupt, you still need to make your mortgage payments. However, your loan will likely be sold to another company as part of the bankruptcy proceedings. The new company will assume responsibility for receiving payments and servicing the loan, and the terms of your mortgage agreement should not change. Here are some steps you can take if your mortgage lender goes bankrupt:

1. Do not stop making your monthly payments.
2. Check your mortgage for a section on "sale" or "assignment" to see if the terms of the mortgage remain in force.
3. Keep good records of what your mortgagee is sending you.
4. If your bank sells your loan and informs you, make sure your previous payment cleared.
5. Stay on top of your mail, email, phone calls, and messages to confirm the identity of the new loan servicer before making payments.

Its worth noting that if your mortgage lender goes bankrupt, it should have no impact on you or your loan. If your mortgage were to be taken over by another bank or lender, the servicing of the loan would become the new owners responsibility.