We'll owe less than 25K on ours at the end of the fall. When our bank was sold a year after we refinanced it, we ended up with Chase as our mortgage holder. I can't wait to get out from under them!LWW Some mortgage companies are obnoxious and/or just incompetent. For a number of years, we had to resubmit insurance coverage every year. They would claim it was never sent, and try to force us to pay for their overpriced useless insurance. I was not disappointed when they went into bankruptcy and the mortgage was transferred. The subsequent lender never had a problem with receiving the insurance coverage statement.