Subject To (previous owner's mortgage)

[Maxwell Lee]

Hi, I am wondering what is the proper way to close out a mortgage on a home we acquired subject to. We purchased the property a number of years ago, the loan has actually since been sold to a different lender, and we will pay it off elatively soon. 

Ever since the new lender took over, things have become very cumbersome (the person named on the loan is MIA, so many years later it's no surprise...now we can't access online accounts and must do all payments and correspondence via mail). I have spoken to an agent at the mortgage company once and was told they've never seen a situation like this and they are not authorized to speak with me about this mortgage. 

So does anyone know if there's anything we can do regarding paying off this loan. I do not mind being forced to pay it off immediately, the main concern is the escrow being forfeited if it needs to be a check in the name of the borrower. Any ideas? Thanks!