Hi Cheryl999--- Hang tough you are not alone in this mess.
A few things you may need to do.
1- Send AHMSI a letter and request they inform you who/whom are the INVESTORS on the loan.
2- Send request for a QWR-- Qualified Written Request- about your loan documents.
3- A copy of the original mortgage note.
when you get your next statement, send them a dispute the debt letter and request a breakdown of where and when and to who or whom each penny was allocated to.. This will keep them busy.
You will get thru this mess.
Please keep us posted.