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  Make sure your mortgage payments count!

Loans and the rights to service them often are bought and sold. A mortgage servicer collects your monthly payments, credits your account, and handles your escrow account if you have one.

   1. If your loan is to be sold, you should get notices from your current mortgage servicer and the new mortgage servicer.

   2. Keep records of what youve paid, including billing statements, canceled checks, and bank account statements.

   3. Review your billing statements. If you dont understand the charges, write a letter asking for an itemization and explanation.

   4. Read all notices that you receive from your mortgage servicer. If the servicer asks for proof of homeowners insurance, send it in promptly, and keep a record that you sent it.

   5. If you have a dispute, keep making your mortgage payments, but challenge the servicing in writing.

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