# Servicing

Servicing is treated as an interconnected process and meaning field. The chapter moves from grounded mechanisms to incentives, risks, history, relationships, mapshifts, and human consequences.

## Core traversal

- [Servicing](../nodes/mortgage/servicing.md) — Servicing keeps the long promise operating after the excitement of closing has ended
- [Monthly Payment](../nodes/mortgage/monthly-payment.md) — Monthly Payment keeps the long promise operating after the excitement of closing has ended
- [Principal](../nodes/mortgage/principal.md) — Principal keeps the long promise operating after the excitement of closing has ended
- [Interest](../nodes/mortgage/interest.md) — Interest keeps the long promise operating after the excitement of closing has ended
- [Escrow Account](../nodes/mortgage/escrow-account.md) — Escrow Account keeps the long promise operating after the excitement of closing has ended
- [Amortization](../nodes/mortgage/amortization.md) — Amortization keeps the long promise operating after the excitement of closing has ended
- [Amortization Schedule](../nodes/mortgage/amortization-schedule.md) — Amortization Schedule keeps the long promise operating after the excitement of closing has ended
- [Payment Application](../nodes/mortgage/payment-application.md) — Payment Application keeps the long promise operating after the excitement of closing has ended
- [Payoff Statement](../nodes/mortgage/payoff-statement.md) — Payoff Statement keeps the long promise operating after the excitement of closing has ended
- [Satisfaction](../nodes/mortgage/satisfaction.md) — Satisfaction keeps the long promise operating after the excitement of closing has ended
- [Reconveyance](../nodes/mortgage/reconveyance.md) — Reconveyance keeps the long promise operating after the excitement of closing has ended
- [Servicing Transfer](../nodes/mortgage/servicing-transfer.md) — Servicing Transfer keeps the long promise operating after the excitement of closing has ended
- [Periodic Statement](../nodes/mortgage/periodic-statement.md) — Periodic Statement keeps the long promise operating after the excitement of closing has ended
- [Mortgage Servicing Right](../nodes/capital-markets/mortgage-servicing-right.md) — Mortgage Servicing Right separates the right and obligation to administer a loan from ownership of its principal cash flow
- [Servicing Strip](../nodes/capital-markets/servicing-strip.md) — Servicing Strip separates the right and obligation to administer a loan from ownership of its principal cash flow
- [Servicing Fee](../nodes/capital-markets/servicing-fee.md) — Servicing Fee separates the right and obligation to administer a loan from ownership of its principal cash flow
- [Excess Servicing](../nodes/capital-markets/excess-servicing.md) — Excess Servicing separates the right and obligation to administer a loan from ownership of its principal cash flow
- [Subservicing](../nodes/capital-markets/subservicing.md) — Subservicing separates the right and obligation to administer a loan from ownership of its principal cash flow

## How to read this chapter

Follow claims and cash flows separately. Ask who holds authority, who supplies information, who receives benefit, who carries risk, and what changes when time or scale changes. Keep sourced fact, industry practice, synthesis, interpretation, and symbolic expression distinguishable.

## Mapshifting prompts

1. Change the unit of analysis from property to right, loan, cash flow, role, record, neighborhood, or institution.
2. Change the clock from closing day to thirty years, one market cycle, one building life, or several generations.
3. Change stakeholder and ask which previously invisible cost becomes central.
4. Return to the human map before choosing a move.

## Sentinel handoff

Legal, regulatory, fair-lending, historical, financial, cultural, and jurisdiction-specific annotations remain separate from Engine Output. They inform contextual use without flattening the graph.
