No. A servicer cannot bill you a fee for servicing your loan or renewing your insurance; they are paid by whoever owns the loan, so there is no legitimate renewal-fee line for them to charge you. When a payment jumps after a servicing transfer, it is almost always one of three things: - Your actual premium went up. That has nothing to do with the servicer. - Force-placed insurance was added. This happens when the servicer thinks your coverage lapsed or never received proof of your policy. Force-placed coverage is expensive, and sending your declarations page usually clears it up. - The annual escrow analysis found a shortage. If the impound account was under-collected relative to the required cushion, the monthly payment rises to catch up and rebuild the balance. This one is the most common. Ask the servicer for a copy of the escrow analysis and an itemized reason for the increase. If force-placed insurance is the culprit, get your real policy on file and the charge should come off. If a genuine premium increase or escrow shortage is behind it, at least you will know the number is real.