I refinance and now my mortgage said I didn’t pay!!!?

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Maybe somebody can help?? I refinance a house that I have about 4 months ago… my mortgage company give me a great interest rate, as of today I made the down payment for the “refinance” loan and my first mortgage payment and the person that live in that house call me and tell me, that they were taking pic. cause they r putting the house for FORECLOSURE!!! I call and they said that my papers are not in the system yet!!! can somebody tell me what I should do??? I’m very worried and don’t know what to do…

Well I talked to the mortgage company today… And the firts check was a cashier one… and Yes I have a Loan number… I

  1. Reply
    February 2, 2011 at 10:37 pm

    Call you lender right away and try to get it straightened out.

  2. Reply
    February 2, 2011 at 10:47 pm

    If your not in the system yet how did you make your 1st payment ? they have to send you a payment book or statement or something in order to pay them right? you have a loan # don’t you. Call the bank back monday and find out whats going on. also if you made your payment they cashed your check didn’t they?

  3. Reply
    February 2, 2011 at 11:26 pm

    There are a bunch of things that could have taken place. I’d contact the previous lender first to see if they have any input. Then, the title company that closed the loan might have some info for you. If you told the lender during the application process that the home would be a primary residence and you have tenants living in the house they could have called the note. Banks are cracking down. The foreclosure process takes some time so dont panic but definitely start making phone calls. Finally, you might want to call whatever government agency deals with financial institutions to find out if your lender is in good standing. In the state of Louisiana it is called “The Office of Finacial Institutions”. Hope this helps.

  4. Reply
    Expert Realtor
    February 2, 2011 at 11:53 pm

    Ok..something is WRONG with your story.

    1. If you refinanced 4 months ago, then why are you only making your first payment today?

    2. You don’t make a “down payment” on a refinance loan.

    3. Why don’t you live in the house that you refinanced?

    I have a feeling that you were behind in your first mortgage and fell for one of those scams where you move out and then some other company says they’ll make the payments for you if you allow them to rent it out, etc, etc.

    The trouble is, these scammers never take the mortgage out of your name.

    You need to see a real estate attorney…DO NOT try to fix this on your own.

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