[mortgage] What to do about this?

[JoeH]

SDGuy wrote:
[quote=M A V I C]
Well, it's 9yrs old but it was refinanced almost 2yrs ago.

?
Exactly!? Unless your "refi" was actually a modification of the original mortgage terms, you got a new mortgage 2 years ago. The old mortgage would have been discharged as part of a refinance. The terms also would be in what you signed 2 years ago, not the older mortgage paperwork.