See #6 ... and they keep finding things are “missing” from the application ... I honestly don’t think they know who is holding the paper on it. It’s probably been swaped so many times it’s in limbo.
We probably have one of those situations as well. Our last re-fi, back in ~2003, was never recorded at the county, so according to the Recorder of Deeds, there is no lien against our property. I chased down an entry in the MERS database showing that the mortgage is owned by Fannie Mae. I'm guessing it was sliced up into mortgage backed securities and pieces of it are owned by many parties. We're staying current on our loan, but watching the situation carefully. We are concerned about whether anyone will be able to give us clear title when the loan is paid off 8 years from now. What a mess.