The little loan on my house got sold to Countrywide (though a closer inspection of the paperwork makes me think it was probably sold to the Bank of New York, which is having Countrywide service the loan for them). They kick ass, because they have real people, not lawyer-automatons write their letters. Here’s an excerpt:
Welcome to Countrywide Home Loans, the nation’s largest independent home loan lender. Your home loan servicing was recently transferred to us and this is your official notice, as legally required. So please excuse the formality.
Their website does not seem to suck too badly also, though I have not yet played with it much.
Let’s hear it for companies that treat customers like next-door neighbors! We need more of that.