Illinois law requires that mortgage servicers provide notice before:

Interest rate changes on fixed-rate loans are contractually determined at origination and don't require additional notice from servicers. Fixed-rate loans maintain the same interest rate throughout the loan term unless modified through a specific agreement like refinancing, which involves new disclosures.

Accepting monthly payments is a standard servicer function that occurs regularly with each payment due date. There's no legal requirement for advance notice before accepting these routine payments, as borrowers expect this standard service.

Recording the mortgage is a legal procedure that typically occurs at closing and doesn't involve ongoing notice requirements from servicers. This public filing establishes the lien on the property and is generally a one-time event at loan origination.