This is a mind blower: you may not be paying the note holder on your mortgage. You may be paying an investment trust that has no idea where your note is and may not even be authorized to own your note. Here is more at my Tea Party website. Tea Party people who are arrogant versus those behind on their payments may want to be a little less arrogant when looking into this. They may not be behind on their payments but their payments are going to criminals.