<prompt> Human: We purchased an FHA loan from a local lending agency that we thought was in good standing. After closing in mid March they said it would be sold off to another lender and we would be notified. As mortgages go, you dont have to pay the lender the first month, so didnt have a statement during that time. The first week of May we made our assigned mortgage payment to our initial lender as they had not sold off our loan yet. We received a letter dated April 29th stating our loan had be transferred to another lender. I contacted this lender with our new loan number to set up an automatic withdrawal for our mortgage payment but was sent through an automative system that told me after entering in our loan number that our loan had been sold. I called back again, pressing 0 and many times, in order to get to a real person. The loan agency told me that they had sold my loan to a new agency on May 7th 8 days after sending me the letter saying they had my loan. They told me a different agency had my loan and gave me their phone number. We had not received any communication from this new agency and had not received a billing statement.I called the new agency and was put through again an automative system but it did not recognize my information. I pressed 0 and more times to get to a Customer Service rep. The rep told me my property was not in their system and they did not have my loan. I called back the agency that sent the letter in April saying they had my loan, and told them that the agency that they said had my loan, told me that they did not have our information in their system. I was put on a three way call with both agencies but the one that was supposed to have my loan said even after going to a supervisor told me that they did not have our loan and to contact our initial lending agency. I called our initial lending agency and told them about the situation and they said they would look into who currently held our loan but still have not heard back from them. I am not sure what to do at this point. I dont know who to make my mortgage payment and it is going to be due very soon as it is the beginning of the month to and I dont want to be foreclosed on because I dont know who to give my money too. We also did have a lot of issues with the initial lending company during the closing process and they would not call back the listing agent for her questions prior to closing. And then, they didnt really give us information on where are mortgage payments would go once they were due. Then the apparently sold our loan to an organization that sold it off quickly. How do I document this and cover us so that we dont fall prey to slimy banks that foreclose without any documentation? Is there a way federally to find out who is currently holding my loan? Any advice would be much appreciated!Edit: So After calling Agency 3 again, they now say they have my loan and the bought it June 1st which was a Sunday They said I should be receiving information in the mail, and gave me an address to send the check to. I also heard back from Agency 1 and they gave me the same agency but a different address to send my check to. I also think that the sell may have finalized on June 1st, but it was done prior to that and Agency 3 did not follow the federal regulations of notifing us in 15 days.  <response>: Okay - not sure whether this will be found to be helpful or not but here goes.First - there are two separate things you need to understand in order to keep this straight in your head. Your mortgage aka the note, the loan can be bought and sold many times over the life of the loan. Its quite common for lenders to originate a loan and then in short order they get the risk of owning the loan off their book by selling it to someone else - typically Fannie Mae or Freddie Mac quasi government agencies that own the lions share of mortgages.The originator of your loan may or may not also be the servicing agent for your loan - this is where it can get confusing. Regardless of who owns your loan, its quite possible that someone else is the servicing agent - especially if your loan was sold to Fannie Mae or Freddie Mac.The servicing agent is who you will send your mortgage payments to - they will also be the ones who maintain the escrow account to make sure taxes and insurance are paid to protect the mortgage owners interests in this case the loan collateral - aka the house. Whats messed up is that the servicing rights to the loan can be sold off separately from the loan itself. In your case it sounds like perhaps the loan was sold and then maybe the servicing rights were sold to someone else?Either way - keep calling - keep copious notes of who you speak to, when your speak to them and what they said. Dont give up.Most municipalities require that the mortgage is recorded with them - of course there is a mortgage recording fee. Technically anytime the mortgage is sold it should be recorded. Banks didnt like the hassle of this and instead created an electronic ledger for keeping track of who owns a mortgage - this was known as MERS or the Mortgage Electronic Recording System. This facilitated the sale and securitization of mortgages - which is a whole different subject altogether.In short - somewhere there is a record of who owns your mortgage and that owner may very well be different than the servicing agent.Good luck! 