[발췌] Mortgage Servicers

출처: http://realestate.findlaw.com/foreclosure/mortgage-servicers.html

※ 발췌 (excerpt):

Though mortgage payments make most borrowers think of traditional banks, most mortgage holders make their payments to separate mortgage servicers. Mortgage servicing companies collect mortgage payments, handle escrow accounts, credit and charge fees to the mortgage account, and initiate "default-related services" including foreclosure. Borrowers should monitor and maintain close contact with their mortgage servicers to ensure that mortgage payments are accurately credited, to protect themselves from various fees, and even to help avoid foreclosure.


Who Owns My Mortgage?

In many cases, the bank that issued a mortgage sells that mortgage to a third party. Mortgage loans can change hands many times, often leading to some confusion for borrowers as to who actually owns their mortgage loan.

Furthermore, the owner of the mortgage is not always the company that receives and processes the mortgage payment. This is because the mortgage owner (either the lender issuing the mortgage, or a subsequent purchaser of the mortgage) can sell or contract out the right to service that mortgage loan. Depending on how ownership rights in a mortgage loan get sold and divided, the mortgage servicer may be the mortgage owner, such as a bank, or may be an independent loan servicing company.

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