Unfortunately, you were misinformed about filing in 2007. You were not required to file, but you did need to file a return to get the stimulus rebate. However, you may still get the stimulus in the form of a credit on your 2008 return.
Whether or not you will receive a refund depends on many factors, including whether or not you have tax withheld from your taxable income.
A mortgage company is not qualified to give tax advice, and the fact that they "assured you" that you would get refunds is an abusive and unethical business practice.
If you receive taxable insurance benefits with no withholding, and receive SSD, it is unlikely that you will receive a refund, no matter how much mortgage interest that you pay. This is because you need to have tax withheld from income in order to get a refund. The exception to this is Earned income credit, which you will not get unless you have earned income (salary, compensation, etc).
If you give me more information about the amount of your SSD, the amount of your taxable insurance benefits (including withholding if any), and any other income or important information (such as other deductions, dependents, etc) then I could provide an estimate for you. Also, if you are married and file jointly, I would need spouse's info.
Please let me know what else I can assist you with.