It may or may not show on a credit report, depends on the servicing and you should have the loan serviced.Failure to include the debt on a future loan application is mortgage fraud, wanna go to jail?

t happens, and it usually happens when one least expects it. 

Then, if you like some of the comments from a user, you can connect with them directly and perhaps do a 1:1 discussion and potentially discuss what you want to do in the future.

My goal of refinancing was simply lowering our monthly spending to reallocate towards future investments.

I expected much more.Lesson learned.

This is my first deal and I wanted something to provide me stability for future me

Also, if you have a below market interest note, if you wanted to sell that note for any reason in the future for liquidity you would be affecting the value of that note negatively.

Even if they couldnt offer the service to complete the form i would expect them to make me aware i needed to fill it out in the first 90 days as i am finding out now.

You may want to find out what you can legally add to a future lease.

The Northeast and Midwest are expected to be less affected by the oversupply compared to the Sun Belt and luxury properties.