CAR you cannot talk to the lender because it is illegal for the lender or the loan servicing organization to discuss the home with you.

The lender or loan servicing company can discuss the loan ONLY WITH THE HOMEOWNER OR WHOEVER THE HOMEOWNER GIVES THIRD PARTY AUTHORIZATION LETTER TO THAT LOAN SERVICER. Thus it is ILLEGAL for the lender or loan servicer to discuss anything with anyone else. Plain and simple.