Comment by uiri

How exactly does this work? You have a contract with company X. Company X sells your payments to company Y. Your payments per the contract should still be going to company X unless the contract stipulates otherwise - that they can have you do the payment forwarding for them. Neither company can alter the contract you signed; that's not how contacts work. Any policy that is material to your mortgage should be in the contract. So what kind of shitty things can company Y do?