If your mortgage is not Federally backed or insured, a private trust is not going to publish these guidelines. The first is to call your mortgage servicer up and ask them. This would be the entity sending you monthly billing statements. The bottom or back of the monthly mortgage statement should contain a general information customer service contact number. While sitting on hold is never fun and you may or may not get a good answer from whomever answers the phone, it is possible that the customer service representative you connect with may be able to simply provide you with the answer to your question.
Second, both Fannie Mae and Freddie Mac provide online tools on their websites for determining if either of them own your mortgage. However, if neither underwriting owns your mortgage, the online tool will simply return a negative response without providing any further concrete information as to the identity of your mortgage owners.
The third method is to write a Request for Information letter to your servicer requesting this information in writing. However, a Request for Information must be drafted and mailed according to the requirements of RESPA to trigger the obligation to respond in the servicer.
The mortgage servicer is required under RESPA to identify an address designated for the receipt of such requests. The first place to look for this address is, again, your mortgage statement. It is advisable to send it by certified mail so that you can track that business day timeframe—and prove the sending and receipt of the letter should the servicer fail to comply.
You can also retain a forensic accountant to review the EDGAR database maintained by the Securities and Exchange Commission to locate your specific loan number amongst the required disclosure filings by the various mortgage-backed securities trust entities—but this is not time well-spent for the average person. Who Is Your Mortgage Servicer? Here are a few different ways that you can find out the identity of your loan servicer.
You can check your monthly mortgage billing statement. Your servicer is the company that sends you the bill for your payment. Look at your payment coupon book, if you have one. The servicer will be listed. Understanding Mortgage Holders and Guarantors A mortgage holder, more accurately called a "note holder" or simply the "holder," is the owner of your loan. The loan agreement consists of: a promissory note , and a mortgage or deed of trust.
Here are a few different ways to find out the identity of your mortgage holder or backer. The easiest option is to call the servicer and ask who holds or backs your loan. That's why you first need to figure out who your servicer is. You can also send a qualified written request to your servicer asking who owns or guarantees the loan.
Many loans are sold to these government-sponsored enterprises. You could look for an FHA case number on your mortgage contract. Sometimes, though, loans lose their FHA-insured status. You can also check your billing statement to see if you pay a mortgage insurance premium MIP. VA-guaranteed loans contain specific language in the note and mortgage that identify it as a VA loan.
Skip to main content. Call your mortgage servicer You can find the number for your mortgage servicer on your monthly mortgage statement or coupon book. Look it up online There are some online tools you can use to look up who owns your mortgage.
Many mortgages are owned by Fannie Mae and Freddie Mac. Both offer a mortgage look up tool on their website. If you are having difficulty paying your mortgage on time, your lender also referred to as a mortgage servicer should be your first call for assistance.
They want to help you. Their telephone number and mailing address should be listed on your monthly statement. Information and guidance on options to stay in your home, options to leave your home, working with a housing counselor or your lender, avoiding fraud and more.
Skip to Content FreddieMac. Home Loan Look-Up Tool. Loan Look-Up Tool. Self-Service Lookup Indicates required fields.
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