No. A servicer transfer doesn't raise your taxes, your insurance, or your fees. The two events just tend to happen around the same time, which makes them look connected. What actually drives the increase is new tax bills or insurance premiums coming due. The mechanism: once a year, your servicer is required to run an escrow (impound) account analysis, reconciling what came in against what your taxes and insurance actually cost. A surplus gets refunded to you. More often, because property taxes or the insurance premium went up, the account is short of what's needed to cover the coming bills and hold the legally required cushion. Your monthly escrow portion then rises to make up the shortfall and rebuild the cushion. That annual adjustment happens no matter which company services your loan. If your payment jumped right after a transfer, ask for the escrow analysis statement. It will show the new tax and insurance amounts driving the change and confirm the increase is the annual reconciliation rather than the transfer itself.