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1. Can you tell me why they says the terms of the loan changed?
The new mortgage lender would only have the same rights as the original lender; not more or less. This sounds like a scam because if she has held up her end of the bargain, then they cannot legally change the terms of the contract/loan agreement mid-stream without becoming liable for a breach of contract.
The best thing to do here is to consult a local business litigation lawyer and see if you can get a free consult to look over the paperwork. The problem here is that there does not appear to be a way to collect your legal fees against them under PA law. However, a detailed review of the documents you have by a local lawyer may reveal an intent to defraud which may provide a basis for a consumer fraud claim where there might be a provision for attorney's fees or punitive damages or a class action suit.
Try the link above.
See answer above. Also, if you want to upload any documents for me to review, please go ahead. I would be happy to look at them for you....