> You don't think another company coming in and demanding $3000 be paid early is changing the terms? No, because if (as here) the original mortgage contract in

> You don't think another company coming in and demanding $3000 be paid early is changing the terms? No, because if (as here) the original mortgage contract included an escrow account, that contract surely allowed the mortgage holder to demand money to keep the escrow balance where they want it to be. So no, they didn't change the terms of the mortgage contract.