If a house payment receipt is lost, the first step is to contact the mortgage servicer immediately to request a duplicate receipt. This ensures the servicer updates their records and avoids potential disputes. Review bank statements or online banking to locate proof of payment, such as canceled checks, digital confirmations, or auto-payment receipts. If the payment was made via check, obtain a certified copy from the bank. For electronic payments, save transaction confirmations. Homeowners should also check homeowners insurance policies, as some require proof of payment for claims. Finally, file a copy of the receipt with the servicer and retain it for personal records.

Mortgage servicers rely on timely documentation to prevent delinquency reporting to credit bureaus. According to the Consumer Financial Protection Bureau (CFPB), 12% of consumers experienced payment disputes in 2022 due to missing documentation, highlighting the need for proactive steps. The National Association of Realtors (NAR) reports that 7% of homeowners face foreclosure-related issues annually, often traceable to undocumentated payments. Financial institutions like Fannie Mae mandate proof of payment within 30 days of delinquency to avoid penalties. For example, in 2021, 34% of foreclosure cases involved payments that went unrecorded, per the Mortgage Bankers Association. Retaining receipts mitigates risks of identity theft or fraud, as payment confirmations are critical evidence in legal disputes. Automated systems, such as mortgage servicer portals, now process 68% of payment confirmations digitally, reducing reliance on paper records. However, manual processes still account for 32% of disputes, per the CFPB. Homeowners should prioritize digital record-keeping and direct communication with servicers to resolve issues efficiently.