If a house payment receipt is lost, the homeowner should immediately contact their mortgage lender to request a duplicate receipt. Reviewing bank statements or online banking records can provide proof of payment. If digital records are unavailable, the lender may require a police report if fraud is suspected. Additionally, the Consumer Financial Protection Bureau (CFPB) advises submitting a written request with supporting documents like canceled checks or transaction confirmations. Save all records moving forward to avoid future disputes.

Mortgage lenders typically require payment verification to ensure timely payments and compliance with loan agreements. According to Fannie Mae, 68% of lenders accept digital payment records, reducing the need for physical receipts. However, 32% of disputes involving lost receipts occur when lenders cannot verify payments, often due to incomplete documentation, as reported by the CFPB in 2022. A study by the National Association of Realtors found that 23% of homeowners face delayed loan approvals or penalties when receipts are unavailable, highlighting the importance of proactive record-keeping. Police reports are rarely mandatory unless fraud is evident, which affects less than 5% of cases, per data from the American Bankers Association. Maintaining digital backups mitigates risks, as 89% of lenders now prioritize electronic records over paper trails, per Fannie Mae’s 2023 guidelines. Proactive communication with lenders and documentation adherence minimizes financial and legal exposure.