No, you do not need to reaffirm your mortgage, and yes it is probably too late to reaffirm it now. You still own the home, and there is still a mortgage on the home. All the mortgage means is you must continue to make the mortgage payments to keep the home. You can sell or refinance the home at any time. Your nine year old bankruptcy is likely irrlelevant to your credit by now.
Answered on Jul 01st, 2021 at 7:29 AM