"I think you should be able to refuse to have your loan sold to certain companies right from the start" I AGREE with you there...you should have a choice...mine was sold to a not so great mortgage company this time...the ONE thing I do that makes SURE the money gets there is send it via my bank...hard to dispute when it was sent when another bank sends it. THE GOOD thing about this area is that we are fairly protected from these types of recessions..we are ALWAYS the last to go in and the first to come out...Good news anyway...OIL prices are crashing as of three days ago...