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Repair Windows errors before they cause bigger problemsFix Now →Fix the driver behind crashes, sound loss and screen glitchesFind Drivers →Clear out junk files and repair common Windows errorsFree Scan →A mortgage servicing transfer changes the company that handles payments and account questions; it ordinarily does not change your loan terms. The old servicer generally sends notice at least 15 days before the transfer, and the new servicer sends notice within 15 days afterward. If the former servicer receives a payment by your loan’s due date, including any contractual grace period, during the first 60 days after the transfer, federal law says it cannot be treated as late for any purpose.
What changes when mortgage servicing transfers?
Your mortgage may be owned by one company and serviced by another. A servicing transfer changes which company handles tasks such as collecting payments, sending statements, and responding to account questions. It does not ordinarily change the underlying loan terms. Regulation X requires the notice to explain that the transfer does not affect loan terms or conditions except those directly related to servicing. The CFPB’s model notice puts it plainly: “Nothing else about your mortgage loan will change.” Regulation X § 1024.33; CFPB model notice, Appendix MS-2.
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When should the transfer notices arrive?
Usually, the old servicer (the transferor) must notify you at least 15 days before the effective transfer date. The new servicer (the transferee) must notify you no more than 15 days after that date. The companies may send one combined notice at least 15 days before the transfer instead. These are the ordinary federal deadlines under Regulation X § 1024.33(b)(3)(i).
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Some exceptions apply. Certain transfers that do not change the payee, payment address, account number, or amount due are exempt, as are specified FHA assignments. For certain urgent events—including termination for cause, bankruptcy, or regulatory conservatorship or receivership—the notice may be provided within 30 days after the transfer. Notice given at settlement can also satisfy the timing rule. See Regulation X § 1024.33(b).
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What information should the notice include?
The notice generally identifies the effective date, contact information for both servicers, and the dates the old servicer stops and the new servicer starts accepting payments. Those dates must be the same day or consecutive days. It must also describe any effect on optional insurance and steps needed to keep coverage, and state that the transfer does not change loan terms other than servicing-related terms. The CFPB model notice illustrates the required information and includes the payment-protection language.
Mailed notice should generally go to the address or addresses in your loan documents unless you have notified the servicer of a new address in accordance with its change-of-address requirements. See the official interpretation of § 1024.33.
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Do you pay the old mortgage company or the new one?
Follow the payment instructions and start date in the transfer notice. Once the new servicer begins accepting payments, redirect future payments to it. Update any automatic payment instruction through your bank or credit union, and use the address or online payment details supplied by the new servicer. The CFPB recommends updating bill pay and checking the next statement after a transfer: What happens if the company that I send my mortgage payments to changes?
If you accidentally send a payment to the former servicer on or after the transfer date, it must promptly either forward the payment to the new servicer for application or return it to you and tell you where to send it. Keep the payment confirmation and transfer notice, then verify on your next statement that the payment was credited correctly.
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Is there a grace period after a mortgage is transferred?
There is a specific 60-day protection, not a general 60-day extension to pay. For the 60 days beginning on the effective transfer date, if the former servicer receives your payment on or before the applicable due date—including any grace period allowed by your mortgage documents—the payment may not be treated as late for any purpose. The relevant event is the old servicer’s receipt of the payment, not merely when you initiated it. See Regulation X § 1024.33(c)(1).
The transfer window and your loan’s own due date or grace period are separate. The federal protection applies only when the former servicer receives the payment by the applicable due date and within the 60-day window. It does not make a payment received after that deadline timely, and it does not cover a misdirected payment outside the window. The CFPB’s official interpretation specifically confirms that a late fee may not be imposed on a payment protected by this rule: official interpretation of § 1024.33(c)(1).
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Can a transfer-related payment problem hurt your credit?
The regulation says a qualifying payment received by the old servicer on time during the 60-day transfer period cannot be treated as late “for any purpose.” Applying that broad language to credit reporting, a servicer should not furnish such a payment as late. However, § 1024.33 does not set out a separate transfer-specific credit-bureau procedure, and the rule does not guarantee how an individual credit-file dispute will be resolved.
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Servicers must maintain policies reasonably designed to transfer servicing information accurately. Regulation X § 1024.38 includes applicable electronic account data and gives credit reporting history as an example of servicing information. That supports the need for accurate record transfer, but it is not itself a promise about the outcome of a borrower’s credit-file dispute. See Regulation X § 1024.38.
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What to do if the new servicer says a protected payment was late
- Gather the transfer notice, payment confirmation, effective transfer date, and the loan’s applicable due date and grace-period terms.
- Contact both the old and new servicers. Ask them to trace where the payment went, correct the account if appropriate, and review any late designation or credit furnishing. The CFPB advises contacting both servicers about transfer-related problems, including payment application issues: CFPB transfer FAQ.
- Check the next account statement and your credit file to see whether the account record has been corrected.
Keep copies of your communications and account records. Whether a particular payment qualifies depends on the transfer date, when the old servicer received it, and the due date and grace period that apply to your loan.
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