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Mortgage sold to yet another servicer. What are my options?
Your mortgage terms are locked in; the servicer/new owner cannot  change the terms without your consent, but the servicer can be more aggressive in taking action  (as specified in your mortgage contract) against you. For example, if the mortgage agreement calls for penalties for missing a payment or making it late, your friendly neighborhood banker might waive the penalty if the payment is received a day late once (but perhaps not the second or the third time), but the servicer doesn't know you personally and does not care; you are hit with the penalty right  away. If the payment was received a day late because of delays in the post office, too bad. If you used a bank bill payment service that "guarantees" on-time arrival, talk to the bank. All  perfectly legal, and what you agreed to when you signed the contract. If you can set up electronic payments of your mortgage payments, you can avoid many of these hassles. If you are sending in more money than what is due each month, you should make sure that the extra money reduces the principal amount owed; easy enough if you are sending a physical check with a coupon that has an entry line for "Extra payment applied to principal" on it. But, the best mortgage contracts (from the bank's point of view) are those that say that extra money sent in applies to future monthly installments. That is, if you send in more than the monthly payment one month, you can send in a reduced payment next month; the bank will gladly hold the extra amount sent in this month and apply it towards next month's payment. So, read your mortgage document (I know, I know, the fine print is incomprehensible) to see how extra money is applied. Finally, re-financing your mortgage because you don't like the servicer is a losing proposition unless you can, somehow,  ensure that your new bank will not sell your new mortgage to the same servicer or someone even worse.