Reaffirm mortgage or not?

Need some advice and can’t talk to family as no one knows I’m filing. I filed last Thursday and my attorney mentioned I have to choose if I want to reaffirm my mortgage on my current house and my rental property. Based off my conversation with him it seems dumb to reaffirm because if the market crashes in 5 years and I can’t pay or something happens. I can just walk away from my houses. But on the other side I like the idea of them reporting to the credit bureau to start rebuilding my credit. What would you do and why?

TLDR. Do I reaffirm my mortgages or just keep paying on them?

Posted Sep 30, 2026, 3:53 AM UTC

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