What key information must be included in a mortgage servicing disclosure statement?

The correct answer focuses on the servicer's ability to manage the loan and any changes in ownership, as this information is crucial in a mortgage servicing disclosure statement. This statement serves to inform borrowers about how their loan will be serviced, the rights and responsibilities of the servicer, and any potential changes that might occur regarding who owns the loan or how the loan is managed.

This requirement aims to enhance transparency around the servicing of the mortgage. Borrowers need to understand who will be receiving their payments, what kind of customer service they can expect, and how their loan might be transferred in the future. This understanding is essential to ensure the borrower is aware of who to contact for assistance and to help them anticipate any changes that may come with ownership transitions.

In contrast, while borrower credit scores and payment history, interest rates, loan origination fees, and property value assessments are all important elements related to a mortgage, they do not specifically pertain to the obligations and operational aspects of mortgage servicing that the disclosure statement aims to convey. Consequently, these details fall outside the purview of the required information in a mortgage servicing disclosure statement.