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what is an assignment of mortgage thats an instrument or a legal document that transfers the rights to a mortgage from one party to another the first party being the assigner and the second being the assignee this can occur for a variety of reasons such as when a lender sells the mortgage to another lender or when a borrower transfers ownership of the property that is being used as collateral for that mortgage when a mortgage is assigned the assigned need becomes responsible for collecting payments on the mortgage and enforcing the terms of the loan agreement the borrower is still responsible for repaying the mortgage and must continue to make payments to the assignee under the original terms an assignment of mortgage must be properly documented and recorded in order to be enforceable it is important for both the assignor and the assignee to understand their rights and responsibilities under the assignment of mortgage [Music]