When your mortgage is sold, you should get a "goodbye letter" from whoever sold it, and a "hello letter" from whoever bought it. This is so you don't keep sending checks to the old place, and have the new people decide that you aren't paying your mortgage.

Composition vs inheritance maybe makes a difference here? :thinking_grimace:

What I mean is parent companies and contracts that might obfuscate who's owed the debt.

However, I don't know anything about debt markets let alone homeownership.

in principle you should be able to reject the mortgage sale, too. purely hypothetical but: suppose some bank was responsible for killing a family member, you shouldn't be forced to owe that bank money.

This means that any mortgage transfer would come with a 'sweetener deal'. If you don't object to the transfer you get a small reduction in your monthlies, e.g.

Checks? ;)