I see alot of posts regarding the mortgage servicing industry, of which, turns a profit ideyllically based on sub-servicing mortgages, i.e. payments, escrow, etc. There are some key factors to watch for as your loan is passed to servicers:
Sometimes, we ourselves unobservantly fall into the sub-par sub-servicing mortgage industry believing all is well, as it should be. My advice, be observant and vigilant. By keeping your own records and notes of pertinent transactions you have the power to keep a small fraction, either by you or them, to snowball.