Some banks sell mortgages to other banks, without notifying you. Some sell to banks that use Green Tree for their servicing. We've always been WAY ahead on paying off our mortgage (like this time around 30 yr mortgage in 3 years) but were notified by Green Tree that they would foreclose on us in 35 days. Fortunately DH looked them up on Google and FB and found all the horror stories about them.

We were lucky enough to apparently have this ended--either even predatory lenders make honest mistakes and correct them or Green Tree has changed a bit since paying out $36,000,000 due to a law suit in April--but we will not rest until our mortgage is all paid off and we hopefully never have to think of them again.