i have been watching the big banks and the gov't . if the holder of my home loan fails it's next attempted merger and goes under who will assume the loan? how does the bank split things up and sell off the loan papers? i'm sure it would be similar to other title loan sales. i don't know how long i will have before things get set up to pay payments to whoever buys the loan. two of my accounts are with the same bank and i could be left short on cash. who knows if the FDIC will be there for me when the time comes?