Finding out who owns your mortgage can be more challenging than you might think. In many cases, a lender will sell a mortgage to a new owner within an hour of closing the deal. That new owner may, in turn, sell it quickly to another company, further compounding the challenge of finding out who owns the mortgage. In addition, the mortgage may be split up and sold to multiple investors. The company that services the mortgage may have difficulty actually finding out what entities own the debt itself.
Contact your mortgage loan servicer and ask what company currently owns the mortgage. Send a letter for the best results, and keep a copy for your records. You may also use the telephone number located on your latest mortgage bill. In most cases, this will only put you in touch with the servicer, but if the lender in question still owns the loan, you may be put in touch directly with the lender. If you own a Federal Housing Administration (FHA) mortgage, you can contact someone at (800) 225-5342 to find out what company currently owns your mortgage. If your mortgage is owned by Freddie Mac or Fannie Mae, you may contact those companies directly.
Search for your Mortgage Identification Number using the MERS system (see Resources). Due to confidentiality laws, this will likely only give you the information of the loan servicer and not the investors or companies that own the mortgage.
Contact the originator of the loan for more information about who might own the mortgage at the moment. The originator may have records of what company it sold the loan to. This may lead you to the current owner of the mortgage.
Tips & Warnings
- If you can't find who owns your mortgage on your own, contact a real estate attorney for help.
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