[TruthConquers]

I think we did go through a broker, Lending Tree or some such. We refinanced more than once. Had no idea what was up at the time. The last time we were told to “send your payment here now” was in 2007. Not sure when the last refi was. That was back when I didn’t know what was going on.

I have gotten some good advice on this thread and will be looking into it.

[HereInTheHeartland]

Go through a major lender that services it's own loans, and that has a local presence in your area; is the best thing you can do.
I do this for a living and am amazed that people don't do this. People will say the can get 1/8 better in rate or $200 less in closing costs (of course that's the original quote!). They think they will save and then stuff like this happens.
You always have some recourse if you can walk into the bank where you got your loan and talk to the people who helped you set it up.
I know that if one of my past customers had an issue such as you described; I would not tolerate that in my company. I know who to talk to, and who they work for.