My mortgage was sold to Chase when HomeBanc went bankrupt. Everything I have reseached states that when a loan is sold that the origianl terms of the loan cannot be changed. Chase is charging me PMI insurance which I did NOT have to pay to Homebanc. The starting taking this amount out of my escrow account without even telling me. I have spoken to several unhelpful customer service reps who keep telling me that since 20% was not paid at closing that I am responsible for PMI insurance. I told them that if PMI insurance was not part of the terms with Homebanc then they cannot charge this, they must honor the same terms. I have been unsuccessful with my arguments. Any advance would be greatly appreciated!!