Mortgages are bought and sold all the time. When we bought this house in '95, we got the mortgage through a large mortgage broker. Over the next 10 years, the note was sold 4 times. That doesn't change anything. It doesn't change the terms of the contract. All we had to do was change where we sent the payments.

“In a time of deceit telling the truth is a revolutionary act.”
― George Orwell

It's not over when you lose. It's over when you quit.