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Regardless of this; the mortgage servicer industry desperately needs to be reformed. They steal houses from people that pay on time, targeting low incomes, high ages, widows and orphans.

They take a payment you made and set it aside, then pay ahead for months. Then suddenly you are way behind and owe thousands due to fines and such. When you call with proof you made the payment they apologize and say their manager will fix it but that's just a delaying tactic. Enough time goes by and they just foreclose.

Lots of elderly and uneducated are flummoxed and don't know what to do.

It was lucky for me I read about it beforehand. When they did it to me I immediately filed complaints with the State Attorney General, the CFPB and my Congressman. I had the proof of payments and proof they knew it. I flat accused them of attempting to steal my house and harangued them with agencies for over 6 months. When it became clear I was more trouble than it was worth they restored everything.

But I read many cases of people who didn't know what to do. Their houses were stolen and continue to be at a high rate.

I sold my house and will not buy another until the industry is reformed. I can't take a chance they won't find a new way to steal it that I can't figure out before it's too late.

They steal houses from people that pay on time

How does that happen? Failure to maintain homeowner’s insurance? If so, whose fault is that? It’s no different from having to maintain collision insurance on a car you’re still paying for. If not, what conditions are you describing?

What you describe sounds incredible — why would they do it? They don’t want the real estate, they want payments.
However, I trust no bank, no professional lender. Ever.
If you want a house, find a fsbo.
If you’re handy, go to a tax sale and buy a house dirt cheap.