<prompt> Human: Im being asked to change my bill pay address for the 4th time in less than 2 and a half years. My mortgage has just been sold to its third or fourth mortgage servicer. Whenever the servicer changes I always have to go through some or all of the following steps:Verify request with the servicerUpdate Bill Pay infoCreate an online account with new servicer to loan view detailsCall new services to verify everything is in order with the first payment forget hoping to paying extra principle automaticallyCall the town to verify escrowed property tax is being payedThis is getting to be quite a chore. Ive heard there are services that take care of these sorts of things for you but I have no experience with those sorts of companies. Can anyone weigh in?Anyone else wish you could bill the servicers for the effort it takes to change over the payment?Assistant: If you dont want this to happen, get a mortgage with a bank that retains servicing. Human: Yep. refi with a local credit union that keeps everything in-house.Assistant: but I have a 30year at 3.5 :-Human: Sounds like inconvenience is your price premium or discount in this case.Assistant: yes, this is what happens when you take advice from the friend who just got his own first mortgage and was as clueless as I was.  <response>: Once its a bit more seasoned older, theyll stop selling it. 3.5 is honestly probably worth dealing with it. 