How can I tell who owns my mortgage?
Figuring out who owns your loan isn’t always easy. Your loan might have been sold several times since you got it from the original lender, and the company that you send your mortgage payments to might be different from the loan owner.
Here’s a couple of different ways to find out who owns your loan:
Search online resources.
Many loans are owned by Freddie Mac or Fannie Mae. Use the Fannie Mae and Freddie Mac lookup tools to find out if your loan is owned by either entity.
You can look up your mortgage servicer by searching the Mortgage Electronic Registration Systems (MERS) website.
Call your mortgage servicer.
Check your monthly mortgage statements to find the phone number for your servicer. If they are not the same company that owns your mortgage, you can ask them who holds your loan.
Send a written request.
Submit a Qualified Written Request to your mortgage servicer asking for information on who holds your loan. Your servicer is obligated to provide you, to the best of their knowledge, with the name, address, and telephone number of the owner of your loan.