If your loan is sold the terms can not change. The note controls the terms of payment and can only be changed by consent of all parties and in writing
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Generally speaking, a mortgage audit is a complete waste of money unless performed and utilized by an attorney in a legal proceeding (i.e. foreclosure action). Just to be clear, regardless of what violations the audit claims, 99% of the time the audit itself will not help one bit to achieve a modification.
Further, it is illegal for any company (i.e. the audit company) to charge you any fees up front for a mortgage audit, unless you were NOT delinquent on the mortgage when you ordered the audit.
You should definitely contact and/or retain an attorney with respect to this matter. Should you have any further questions, comments or concerns; feel free to follow up with my office at anytime.