This is a very unusual situation. You have a discharged note that is giving you no credit for making payments on it but have been doing that for ten years. I speculation (I know, we shouldn't do that) is that the note was reaffirmed at some point, otherwise you would have a cause of action against the bank for unjust enrichment for accepting payments on a voided note.
I would contact your servicer and see if you can get credit for your payments over the past ten years.They may be able to report these timely payments to teh three credit bureaus, which will substantially increase your score.
Failing that, if this truly is not showing up on your credit report, which I think has a low liklihood, then there is nothing stopping you from applying for an additional mortgage as the currrent note no longer exists.
Answered on Apr 13th, 2020 at 5:50 AM