After a mortgage is assigned, who does the mortgagor make payments to?

When a mortgage is assigned, the rights to receive payments on the mortgage are transferred from the original mortgagee (the lender) to the assignee. Therefore, the mortgagor (the borrower) must make payments to the assignee, who is now the new holder of the mortgage. This change ensures that the assignee has the legal right to collect payments and manage the mortgage going forward.

This is framed by the principle that an assignment of mortgage is a legal transaction where the lender cedes their interest in the mortgage to another party. As a result, the relationship between the mortgagor and the assignee takes precedence, and the mortgagor's obligation to make payments shifts accordingly.

In this context, the original mortgagee (the lender prior to assignment) is no longer involved in the payment process, nor is the local government a party in this transaction. Therefore, the mortgagor’s responsibility to pay is directly to the assignee after the assignment occurs.