Where your mortgage goes after closing, and why it gets sold
Rules and agency sources
How it flows
Mortgage Servicing & Ownership Guide relies on CFPB guidance and regulations on servicing and transfers, and on Fannie Mae, Freddie Mac, Ginnie Mae and FHFA descriptions of their roles.
Last reviewed against the primary sources listed below.
Review
Each stage is rechecked against these sources at review.
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
- Ginnie Mae: Our mission
- FHFA: About FHFA