[dradernh]

We don't necessarily care who presently holds the note. As a practical matter, it's never been relevant.

Generally, what matters for those of us with mortgages is paying attention to communications from the entity servicing the mortgage. This is especially the case when they tell us they're handing that duty off to another servicing agency – from which you should soon hear that they're taking over.

It's not uncommon that the note holder and the servicing entity are the same. That is, the financial institution that issued your mortgage has kept it and is also servicing it.

Remember to notify the insurance company that issued your homeowners policy when there's a change in the servicing entity.