In some cases, your loan servicer may not know who the owner of the loan is or may be unwilling to provide you with that information. In most cases, if your mortgage is in fact owned by Fannie Mae, it won't be a secret and the lender will tell you. In addition to asking your loan servicer or lender, you can also visit Fannie Mae's main website or the Know Your Options website.
You will need basic information, including the property address associated with the mortgage and the last four digits of your social security number.
You can also call the Homeownership Preservation Foundation. Whenever the owner of your loan transfers the mortgage to a new owner, the new owner is required to send you a notice. You can find the number for your mortgage servicer on your monthly mortgage statement or coupon book. There are some online tools you can use to look up who owns your mortgage. Another option is to send a written request to your mortgage servicer.
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. Here is a sample letter to help you write your mortgage servicer to request information.
Searches are limited to 50 characters. Please do not share any personally identifiable information PII , including, but not limited to: your name, address, phone number, email address, Social Security number, account information, or any other information of a sensitive nature. What Is a Mortgage Servicer? The servicer deals with the day-to-day management of the loan. For instance, the servicer: collects and processes your monthly payments tracks your account balance manages the escrow account , if you have one, and supervises the foreclosure process, if you're in default.
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. Also, fees paid to the VA will be shown in the closing documents.
But homeowners with privately serviced RHS-guaranteed loans might not know about their loan's status. To find out if you have an RHS-guaranteed loan, ask the servicer or check your closing documents from when you took out the loan.
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