You have a legal (and moral) contract with your landlord to pay the rent each month. Your landlord's contract with his mortgage company has nothing to do with you and is none of your business. If you feel you could putting your monthly rent payment somewhere else, you may enjoy being evicted, your credit ruined (no new house) and any future rental stopped with the eviction on your record. He already owns the house else the bank could not attempt foreclosure. Maybe he is using the rent you legally owe him to hire a lwayer to negotiate with the mortgage company. How the H do you know? By the way, after the first year your lease reverted to a MTM agreement with all the same terms and conditions as the original lease.