ocwen mortage offered me a 40 yr @4.6% mortgage with a $50,000 ballon payment. all of which is not mentioned in the papers sent to

I'm sorry I don't understand what your question is.

You state that Ocwen offered you certain terms, but they are not mentioned in your paperwork. I assume the terms were delivered to you verbally then? Are you asking what your next steps are?

If the papers don't match your agreement, then you need to contact Ocwen and have them straighten them out.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Sounds like you are getting conflicting stories. I would be in contact with OCWEN ASAP