Just got notification that they transferred my mortgage to Green Tree LLC. Get this... Green Tree LLC wants $12 to provide me with the service to process my online payment.

I've been googling the company all night and they sound like a huge scam - tacking on extra charges and bogus fees.

I'm going to head to a local credit union tomorrow and see what I can do. Problem is... I bought way under my budget, so the loan is pretty small (under 50k) and nobody really wants to deal with it. That's the reward I get for buying a starter house within my means...

I'm open to any ideas / suggestions on getting such a small refi.

They also changed my due date from the 9th to the 1st - making the Payment due today, green Tree is already calling about the payment being late. I've only gotten notification from BOA - I don't even know my account # for the new place, yet... No statement. Nothing.