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when you apply for a home mortgage you may think that the lender will service your loan until its paid off but that may not be the case many mortgage companies and banks sell the servicing of their mortgages to other institutions your disclosure statement will tell you if your lender intends to sell your mortgage servicing or not if it does its good to know your rights under the National affordable housing act in most cases your lender must notify you in writing at least 15 days before the effective date of the transfer the new servicer has to notify you in writing no more than 15 days after the transfer the letter should include everything you need to know to make your next payment including the name address and telephone number of the new servicer after the transfer theres a 60-day grace period during which you cannot be charged too late fee if you mistakenly send your payment to the old mortgage servicer and the new servicer cannot report to a credit bureau that your payment was
