If you find it later, it's a heads-up moment. You should inform the lender immediately, as having two notes floating around can cause some confusion.
Yes! Once you file the affidavit, the lender can issue you a new note. It’s like getting a fresh start after losing the original—you're right back on track.
Typically, it doesn’t take too long. You might hear back within a few days to a couple of weeks. It’s like waiting for the cake to bake – takes time, but worth it!
Nope! You don't have to step into a courtroom for this. You can usually handle it by filing the affidavit with the right office or bank. It's more about the paperwork than a big courtroom drama.