It depends upon the facts of your case, without more it is very hard to answer this question. The first thing you should do is determine whether you can file a chapter 7 or if you must file a chapter 13. As a general rule, you have to pay the mortgage in order to keep the asset. When you file a 7, it is as if you hand everything which is not exempt over to the trustee to sell and pay your creditors a pro-rata share. If you want to keep both homes chapter 7 may not be the way to go.