Getting closer to the end here...341 was on 5/14 and no news is usually good news so hoping to get my discharge soon.

Had some questions though about Mortgage Reaffirmation and curious is anyone might be able to lend some advice.

We decided to reaffirm our Mortgage which is with Chase. I hear a lot of back and forth and pro/con on this but we figured in our situation it was worth doing. Never been late on payments, we have equity, and we want to go back to auto pay, and payments being reported.

That being said Chase is being slow about the documents, we submitted it they didn't like them for whatever reason and want them redone..etc.. these are my concerns.

1. If we don't get the reaffirmation paperwork in on time before Discharge are we out of luck?

2. Home prices are just going through the roof in my area ( still protected by exemptions) but if we don't reaffirm is there some crazy chance that Chase is going to try and take the house even if we make payments on time?

3. Will refinancing some day to a 15 year or a lower interest rate not be possible if we don't reaffirm.

Curious on people's thought's, don't want to delay anything or make things harder then they need to be

Thanks

Josh