Will I be charged any late fees if my loan was transferred, and I didn’t know?

Per RESPA requirements, during the 60-day period following the effective date of the transfer a loan payment received by your old servicer on or before its due date may not be treated by the new servicer as late, and a late fee may not be imposed on you. For the same reason, the new servicer will not do any credit reporting during the first 60 days.