No. A servicer cannot call a performing fixed-rate loan due, and the rules run in your favor. The company you send your payment to is the servicer, and it earns a small fee for collecting and administering the loan. It has no ability to demand payoff of a current loan just because your rate sits below market, and little incentive to try, since it probably would not even be the servicer on whatever new loan you took out. Your fixed rate is fixed. The written rules protect borrowers who hit trouble, too: - FHA (HUD Handbook 4000.1), VA, USDA, and the Fannie Mae and Freddie Mac servicing guides each require servicers to work through a loss-mitigation review, a ladder of options aimed at keeping the borrower in the home, before foreclosure. - The CFPB's Regulation X adds a federal layer: a complete loss-mitigation application generally must be evaluated before most foreclosure referrals. We have watched the system work this way. A borrower with a rate around 3 percent went through a divorce, and the loan was modified to a longer term to make the payment workable, the opposite of anyone trying to call it. Keeping you in the house is the outcome the rules push toward. Hold your low rate with confidence.