You always have to listen to phone calls when you load the game. It's not the game forgetting, it's just a way to keep you on track with the story after you load a save, which can be annoying, but isn't a bad thing if you spend a while away from the game or play multiple games at once.
As for returning to the house, the game returns you to the nearest safe house when you load a save. It doesn't save your actual position. It's just like Far Cry 2 or Grand Theft Auto, but without forcing you to return to the point to save. This is typical in Open World games of this type. Your progress is however saved.
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