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Your Mortgage Payments Are Current but the Bank Says You’re Behind? Here’s What’s Really Happening
A New England homeowner compares bank statements against a mortgage statement that wrongly says the payments are behind.
Your Mortgage Payments Are Current but the Bank Says You’re Behind? Here’s What’s Really Happening
Mortgage & Foreclosure Resource Hub
Debbie Anderson By Debbie Anderson
 - 
August 11, 2026
Your Mortgage Payments Are Current but the Bank Says You’re Behind? Here’s What’s Really Happening
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Unlocked Home Relief provides free educational resources and may occasionally engage in standard real estate transactions, including purchasing properties and wholesaling via contract assignments, in the states of New Hampshire (NH), Maine (ME), Massachusetts (MA), Vermont (VT), or Rhode Island (RI). However, we do not provide any services intended to avoid, delay, or prevent foreclosure that are regulated under applicable state laws, including but not limited to negotiating loan modifications, forbearance agreements, short sales, debt settlements with lenders, or foreclosure rescue transactions (such as those involving lease-backs, options to repurchase, or retained homeowner interests post-sale). Our activities do not include compensated or fiduciary roles in foreclosure consulting, equity purchasing, reconveyance providing, real estate brokerage, or wholesaling that require licensing or involve exploiting homeowner distress for gain.

Free Educational Resources: All content and resources on this website, including those in Resource Hub, are provided solely for general informational and educational purposes at no cost and are not regulated foreclosure-related services, brokerage, or advisory under state laws (e.g., NH RSA 479-B and RSA 331-A, ME Title 32 Ch. 80-B, MA 940 CMR 25.00, VT 12 V.S.A. §4941, RI Title 5 Ch. 80). Providing this free information does not create any advisory, fiduciary, brokerage, or service-based relationship and is entirely separate from any transactional activities.

Our Real Estate Transactions: We may occasionally purchase properties through standard Purchase and Sale (P&S) agreements at fair market value, resulting in full title transfer without retained seller interests, or wholesale by assigning our equitable interest in such P&S to end buyers (e.g., the highest bidder) as a common contract practice without taking title. These transactions are voluntary, optional, and not solicited or marketed as a means to stop, delay, or avoid foreclosure. They do not involve regulated practices such as marketing properties without ownership, providing middleman services for commission, or any form of distress exploitation. All transactions include full disclosures (e.g., intent to assign, cancellation rights where applicable) and are not required to access our resources.

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