Is Your Mortgage Current? How To Check And Confirm

If you're looking to find out who owns your mortgage, there are several ways to do so. You can find the number for your mortgage servicer on your monthly mortgage statement or coupon book. You can also use online tools to look up who owns your mortgage. For example, Fannie Mae and Freddie Mac both offer a mortgage lookup tool on their website. You can also look up your mortgage servicer by searching the Mortgage Electronic Registration Systems (MERS) website.

How do I find out if a mortgage is current?

Check your monthly mortgage statement

Checking your monthly mortgage statement is a great way to find out if your mortgage is current. It is important to know who owns your loan and who your mortgage servicer is. Your monthly mortgage statement will contain the telephone number and mailing address of your lender or mortgage servicer, who should be your first point of contact for assistance. You can also use the number on your statement to find out who owns your mortgage. Many mortgages are owned by Fannie Mae and Freddie Mac, both of which offer online mortgage lookup tools on their websites. You can also search for your mortgage servicer by checking the Mortgage Electronic Registration Systems (MERS) website. If you prefer, you can send a written request to your mortgage servicer to request information about the owner of your loan.

Your monthly mortgage statement will also include a coupon book, which will have details of your mortgage servicer. This can be useful if you need to contact them for any reason. It is worth noting that a simple spelling error or mistake could lead to inaccurate results when searching for information online, so it is important to enter your information carefully.

Additionally, you can check your local city/state registry of deeds, which may be available online or at a local office. This will allow you to search for the current owner and mortgage history by name and address. There are also title companies that can provide an Owners and Encumbrances report for a small fee, although this may vary depending on your location. For example, in Florida, this information is available on the clerk of court's website, where you can search by the owner's name, which is also a matter of public record.

Use online tools to look up who owns your mortgage

It's not always easy to figure out who owns your mortgage loan. Your loan might have been sold several times since you took it out with the original lender, and the company that you send your mortgage payments to might be different from the loan owner.

There are several online tools you can use to look up who owns your mortgage. First, you need to identify your loan servicer. The servicer might be the same company as the loan holder, but not always. Check your monthly mortgage billing statement or coupon book to find the contact information for your servicer. If they are not the same company that owns your mortgage, you can ask them who holds your loan.

You can also look up your mortgage servicer by searching the Mortgage Electronic Registration Systems (MERS) website. If you have a MERS loan, your mortgage servicer's identity will be listed in the MERS system. If you're unsure whether you have a MERS loan, you can also get this information from the MERS website.

Many mortgages are owned by Fannie Mae and Freddie Mac. Both offer a mortgage lookup tool on their websites. You can use these tools to find out if your loan is owned by either entity.

Contact your mortgage servicer

If you want to find out whether your mortgage is current, your mortgage servicer should be your first point of contact. Your mortgage servicer is the entity that handles loan-related administrative tasks, such as monthly payments and record-keeping.

You can find the contact information for your mortgage servicer on your monthly mortgage statement or coupon book. Their telephone number and mailing address should be listed on these documents. Additionally, there are online tools available to help you identify your mortgage servicer. For instance, you can search the Mortgage Electronic Registration Systems (MERS) website or use the lookup tools provided by Fannie Mae and Freddie Mac. These companies own many mortgages and offer online tools to help borrowers determine if their loans are owned by them.

Once you have identified your mortgage servicer, you can contact them to inquire about the status of your mortgage. They should be able to provide you with up-to-date information on your loan, including whether it is current or delinquent. It is important to note that if you are having difficulty making your mortgage payments on time, your mortgage servicer should be your first call for assistance. They are often willing to work with borrowers to find solutions and can provide valuable support during financial hardships.

In addition to contacting your mortgage servicer, there are other ways to research the status of your mortgage. For example, mortgages are typically recorded with the county, and you may be able to find information by visiting the county records office or searching their website. You can also try using a title company, which can provide you with an Owners and Encumbrances report for a small fee. This report will give you information about the deed and mortgage history of a property.

Check the county courthouse

To check if a mortgage is current, one of the best ways is to check the local property records at the county courthouse. Each state has different laws, called "recording statutes", regarding home deeds and mortgage documents. However, each state requires the formal recording of real property in a county office for it to be valid. This means that almost every recorded property will have a mortgage record on a public file.

The first step is to identify the county in which the property is located. Once you have this information, you can visit the county courthouse in person to view the hard copies of the mortgage records. There may be a small fee to access these records. If you are unable to visit the office, you can usually access the clerk's official website and download the mortgage documents online. You will need to enter the homeowner's information, such as their name and address, and pay any necessary fees.

Some counties keep mortgage records in the courthouse, while others keep them in the clerk's office or handle them at the town level. It is worth checking the website of the office that maintains the records to see if they offer online access. For example, the county clerk's office in Middlesex County, NJ, provides an online system for accessing public mortgage records. In Georgia, the Department of Revenue provides links to each county's Board of Assessor's Office, where you can search by entering the property address, property ID number, or owner's name.

By checking the county courthouse records, you can obtain valuable information about the property's mortgage status, ownership details, and any existing liens or mortgages. This information can be crucial for potential buyers or anyone interested in the property's financial status.

Check the owner's name on the clerk of court site

If you want to find out the current mortgage status of a property, you can do so by searching for the owner's name. All of the mortgage records that you can legally access will be stored with the county where the property is located. Most counties now have digital records, which can be easily viewed online, but you can also visit in person or call the clerk's office in advance to ask how to conduct your search.

The clerk of court maintains records of court proceedings that affect real estate, such as foreclosures, evictions, partitions, and condemnations, as well as estates, divorces, judgments, and liens on real property. You can access this information on public, self-service terminals in the clerk of court's office in any county.

If you are searching for information on a court case, you can visit the clerk of court's office in the county where the case is located to view the file. Staff can provide copies of documents for a fee. You can also search online for case information by name, case number, attorney, and more.

If you are looking for deeds and other real estate records, these are kept by the Register of Deeds office in the county where the real estate is located. Many of these offices have their own websites, and you can find contact information online.

Frequently asked questions