Mortgage Servicing & Ownership Guide method
How we research
How it flows
Mortgage Servicing & Ownership Guide is built from public rulebooks, agency explainers and official forms, read first-hand rather than summarized from other websites. Fannie Mae, Freddie Mac and Ginnie Mae program pages and Regulation X transfer rules are the main references here, and they are rechecked first.
Last reviewed against the primary sources listed below.
Where questions come from
Topics come from the questions people type into search engines about this subject, gathered from free public autocomplete suggestions, then narrowed to the ones this site's focus can answer well.
Sources we rely on
Pages cite these primary sources, among others. Each guide lists the exact sources it used at the bottom of the page.
- CFPB: What happens if my mortgage is sold? Is my loan safe?
- CFPB: What's the difference between a mortgage lender and a mortgage servicer?
- CFPB: What happens if the company that I send my mortgage payments to changes?
- CFPB: How can I tell who owns my mortgage?
- CFPB: Regulation X section 1024.33, mortgage servicing transfers
- CFPB: Regulation Z section 1026.39, mortgage transfer disclosures
- Fannie Mae: About us
- Freddie Mac: About us
How a page is checked
- Each rule is checked against the current version of its source document.
- Simplified explanations are reread against the original text.
- The review date at the top of the page is updated only after that check.
Pages written this way
- Why do mortgage loans get sold?
- What do Fannie Mae and Freddie Mac do?
- What is Ginnie Mae and how is it different?
- Mortgage owner vs mortgage servicer: what is the difference?
- Mortgage servicing transfer: notices and the 60-day rule
- How to find out who owns your mortgage
- What happens to your escrow account when your loan is transferred
- What if I pay the old servicer after my loan is transferred?
About the Mortgage Servicing & Ownership Guide transfer date checker
Nothing entered into the Mortgage Servicing & Ownership Guide transfer date checker leaves your device, and no field comes prefilled.
Rules and agency sources
- CFPB: What happens if my mortgage is sold? Is my loan safe?
- CFPB: What's the difference between a mortgage lender and a mortgage servicer?
- CFPB: What happens if the company that I send my mortgage payments to changes?
- CFPB: How can I tell who owns my mortgage?
- CFPB: Regulation X section 1024.33, mortgage servicing transfers
- CFPB: Regulation Z section 1026.39, mortgage transfer disclosures
- Fannie Mae: About us
- Freddie Mac: About us