[HereInTheHeartland]

The last 3 I have signed were to the lender who funded them and now services them.
They do mention the the loan could sold off (securitized), but my terms won't change.

[Neidermeyer]

Unless the last 3 mortgages were all though a local credit union the chances are that the true lender is not who you think it is. The servicer remaining constant is not a reliable indicator of anything.