Obtaining a copy of mortgage loan documents?

I bought my house 3yrs ago and I never received a full set of copies of my loan documents. No I am having trouble with my mortgage and I am facing foreclosure, I need to have a loan audit performed and I am not sure how to get a hold of a copy of these documents. I have tried the escrow company, the mortgage company and the title company, they all claim not to have a copy. The title %26amp; escrow companies only have copies of what was recorded. I would greatly appreciate any advice or help.


ThanksObtaining a copy of mortgage loan documents?
I work for a title company as an escrow officer, and our policy is to at least keep a copy of the Note and Truth in Lending document (in addition to the recorded documents) Sometimes we keep more.





We definitely make sure that you are given a full set of documents when you sign. (Did you look for a long envelope that didn't fit in your file cabinet - usually some of the documents are printed on legal size paper, so our folders are definitely legal size) (Sometimes, if the escrow company is really advanced, they could have given you a CD with copies of everything.)





Did the escrow company actually look in their escrow file? Only being three years ago, it shouldn't have been destroyed yet. It may take some time to dig it out of a dungeon, so busy escrow officers may be reluctant to look, and hope that you can find the documents that you already sent. (Of course, I wouldn't do that! - my job is to make our customers happy so that they want to use our company the next time)





Some companies, including mine have ';paperless'; files. In that case, like I said at least the Promissory Note and ';Truth in Lending'; should have been scanned in. Even a copy of the ';lenders instructions to escrow'; might be helpful to you in researching what you are looking for.





Did you ask the lender? This is often a different entity than the mortgage broker. Who did you make your first payment to? Is it the same lender where you make payments to now? Often the ';Beneficiary'; is assigned when a different company ';purchases'; the interest of the lender. Sometimes they have a different company ';service'; the loan. I know it can be confusing, but someone should have the documents that you are looking for.





Good luck.Obtaining a copy of mortgage loan documents?
Your county recorder's office will surely have a copy.