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What happens when my mortgage is sold? | LoanSafe.org – However, today homeowners have right under the Real Estate Settlement and Procedures Act (RESPA) that protect them from such events. therefore when a mortgage is sold or transferred over to a new servicing company, it is the lender’s duty to provide proper notice of who it is to be sold to, and when the mortgage is to be sold.
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A level payment mortgage. mortgages were fully paid off. Especially since the early payments would have largely addressed the interest, rather than the principal balance, the homebuyer would have.
A mortgage servicer is the company that handles the day-to-day administrative tasks of your loan, including receiving payments, sending monthly statements and managing escrow accounts.
In fact, the majority of mortgages are sold in the secondary market after they’re originated. Regardless of which company owns your loan, a loan is a loan – and what’s on your mortgage note hasn’t changed.
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