More than 40% of the time they can't find it.

Produce the note:

It seems that more than 40% of the time, mortgage banks cannot produce the note that shows the loan. If no note, then is there a mortgage? I know that when I refinanced, I got the old originals from the old note. And I understand that in the "old days" it was a big deal to burn the mortgage once it was paid off.

Make no mistake here, I am not advocating skipping out on your agreement. If that is what you contracted to do, you should do what the contract agrees to. if you made a bad decision when you purchased your home (bad buy, poor choice of loans, etc) then it is on you. You made the deal, and that is that.... But still....