Refinancing? Your thoughts?

[palani]

Look ... they sold your original note and mortgage and no longer have it. If in doubt ask to see it because if they cannot return the originals to you when you are through paying then someone else might require even more money from you. A copy even a certified recorded copy does not count. It must have your wet ink signature and, if asked to validate it into evidence, had better not have been modified by even a single mark.

If you plan on going through the process of refinancing and giving them another wet ink signature then at least ask for a receipt when you abandon these docs on the table. With a receipt you can present it (along with your final payment) and require that they give you your originals back.