HELLO I PURCHASE MY HOME 05/2003 FROM A PRIVATE PARTY CONTRACT FOR DEED PRIVATE PARTY SOLD MY LOAN TO A MORTGAGE COMPANY 06/2005 THEY IN TURN SOLD IT AGAIN WITH IN 30 DAYS ,, I HAVE BEEN PAYING THE MORTGAGE COMPANY FOR 6 YEARS I HAVE ASK THEM A DOZEN TIME TO RECORD MY MORTGAGE TO HOMESTEAD MY HOME FALLING ON DEAF EARS COME TO FIND OUT THAT MY NAME HAS NEVER BEEN ON THE DEED AND MORTGAGE HAS NEVER BEEN RECORDED IN THE 8 YRS I HAVE BEEN PAYING ,, I TALK TO THE MORTGAGE COMPANY AND FOUND OUT THEY HAVE NO PAPERS SIGN BY ME STATING I HAVE A MORTGAGE WITH THEM THAT'S WHY THEY CAN RECORD THE MORTGAGE IS THERE ANY LEGAL ACTION I CAN TAKE SINCE I HAVE BEEN PAYING THEM FOR 8 YRS AND NO ONE EVER RECORDED MY MORTGAGE BUT SOLD MY HOME 2 TIMES
Do you have any document to prove that you have made the payments for the last 8 years? Without any kind of document, it will be very difficult for you to prove anything. You can definitely consult a lawyer on this issue.
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If the mortgage lender does not have any document to prove that you have taken out a mortgage and if the mortgage docs are not recorded at the county recorder's office, then it will only mean that you are not liable for paying the mortgage payments!! You may even own the property free and clear. You can contact a real estate attorney and check out what steps you need to take in order to own the property free and clear.
Feel free to ask if you've further queries.