How can I locate the phone number of the person who holds my parent’s mortgage (It’s an individual)?

Deal Score0

They don’t have a phone number but do have an address. They have sent a letter requesting a statement of what they owe and the total mortgage amount for the purposes of receiving a loan but need it quite urgently so they would rather call. They have tried internet searches but so far only find a disconnected number for him.

I need some advice desparately. I am trying to get financed for a loan and am running into a problem and am not sure if I am dealing with people who don’t know what they are doing. I purchased a house in 2000. In 2003 my mortgage company (Bank A) sold my loan to another bank (Bank B). Bank B had my loan until 2005 – I sold the house. The finance company that is looking to fiinance me now (Bank C) is asking Bank B to provide them with three years of pay history and are expecting Bank B to give them Bank A’s information. Well, Bank B won’t give it to Bank C, but Bank A no longer exists. This is holding up the approval for my loan, so my questions are (1) do banks expect all banks to divulge other bank’s information like this and is is normal practice (2) why would this hold up my approval everything else is a go (3) should I be looking for another bank or is there validity to what Bank C is doing. Anyone know how this works?

  1. Reply
    February 8, 2011 at 4:47 am

    It may be possible to do a search on the internet based on the address you have. You can also send another letter that may cause the person to call you. Perhaps you can send a letter saying that without a phone call, you will stop paying.

  2. Reply
    February 8, 2011 at 5:09 am

    If it is an individual holding the note it is possible that they don’t know for sure and will need someone (escrow company?) to run the numbers for them.

    Your parents need to send a letter to them by certified mail. They need to ask for a telephone number that the lender can use to reach them, and get a history (if possible) of the payments made to date.

    If the payments are being made by check, the parents might be able to back-track through the banking system, but they would have to go to their bank and talk to the branch manager personally.

    The last possibility would be to dig up the original note and all the payments made throughout the history of the mortgage and have someone calculate it out for your parents to use.

    I hope they are wanting to pay off this mortgage and get a loan that keeps track of the balance…

  3. Reply
    February 8, 2011 at 5:40 am

    Did they ask you for mortgage payment statement/ stubs? Bank B should give you payment information to Bank C. They are just trying to see if you are up to date on your payments and if you are good customer. Bank B should have Bank A’s information on your file. You should try a different lender if this issue does not end, or ask Bank C who they are talking to at Bank B and talk to them yourself. Maybe they need your permission and won’t disclose the information to the third party.

  4. Reply
    February 8, 2011 at 5:44 am

    bank B is not responsible for your payment history with the bank A. what your new lender is looking for is your mortgage payment history if this one is not reported on your credit history.( it is weird, that 2 bank don’t report them on your credit)
    if you can’t get nothing from them, try to get copy of your mortgage payment checks from your checking account or copy of the monthly statements showing mortgage amount withdrawal.

  5. Reply
    karrie r
    February 8, 2011 at 6:05 am

    They should only be looking for a 12 month history of paying on time. It does not seem as if they know what they are doing. I do loans for a living and as long as the past 12 months is reporting on your credit all the lender has to do is order a payoff. It seems like a bank I would not want handling my mortgage. If you have any futher questions you can email me @

    Leave a reply

    Register New Account
    Reset Password