Where your mortgage goes after closing, and why it gets sold
Who owns my loan?
How it flows
Ask your servicer in writing. It must tell you, to the best of its knowledge, the name, address and phone number of the owner of your loan. When ownership changes, the new owner must notify you. Fannie Mae and Freddie Mac also offer online lookups for loans they own.
Last reviewed against the primary sources listed below.
When it matters
- Applying for payment help or a modification.
- Asking about an assumption.
- Resolving a dispute the servicer cannot settle.
Questions about loan sales
How can I tell who owns my mortgage?
Send a written request to your servicer, which must identify the owner to the best of its knowledge.