<prompt> Human: I spent a good deal of time selecting a company to handle my mortgage and picked the one that I thought would be the best fit for me. They allowed bi-monthly payments and had excellent customer service making my home buying experience much easier. My loan has now been sold to a company with piss poor reviews and seemingly one payment option. How is this allowed and shouldnt I be able to prevent this? My loan was in good standing and I feel ripped off especially after reading the horrible reviews of my new company. I feel like I should have some protection here as a customer.  <response>: Mine was handed off literally a week after I closed and long before the first payment was due. No biggie, I just needed the credit union to get the job done on the front end. As long as you pay on time, you shouldnt ever notice the one cashing the checks. If you want the effects of a biweekly payment, you can DIY. 