Fannie Mae: Does It Own My Mortgage?

If you are facing financial hardship and are looking for mortgage relief, it is important to know who owns your mortgage. Many mortgages are owned by Fannie Mae and Freddie Mac, and they have made it simple to find out if they own your mortgage. You can use the Fannie Mae Loan Lookup Tool on their website, or you can call the Fannie Mae Resource Center at 800-2FANNIE (800-232-6643). Alternatively, you can look up your mortgage servicer by searching the Mortgage Electronic Registration Systems (MERS) website or by checking your monthly mortgage statement for the servicer's contact information. If they are not the same company that owns your mortgage, you can ask them who does.

Use Fannie Mae's online loan lookup tool

If you want to find out if Fannie Mae owns your mortgage, you can use their online loan lookup tool. This will allow you to find out whether Fannie Mae owns the mortgage on your home.

Firstly, you should gather the information you need to begin your loan lookup. You can find the number for your mortgage servicer on your monthly mortgage statement or coupon book.

Then, visit the Fannie Mae website for the loan lookup tool: https://knowyouroptions.com/loanlookup. Here, you will need to complete the form carefully, as a mistake or typo can result in the wrong results. You will need to check a box to provide consent and then click 'Get Results'.

It's important to note that the results may not be complete or accurate, so you should contact your mortgage company to verify these results. A ''match found' result does not guarantee that you will qualify for Fannie Mae mortgage products.

Contact your mortgage servicer

If you're facing financial difficulties and believe that your mortgage is owned by Fannie Mae, you may be eligible for mortgage relief solutions such as a forbearance plan or loan modification. To confirm if Fannie Mae owns your mortgage, you can take the following steps to contact your mortgage servicer:

Firstly, check your monthly mortgage statement or coupon book to find the contact information for your mortgage servicer. If you are unsure, you can also search for your mortgage servicer by using the Mortgage Electronic Registration Systems (MERS) website. This will help you identify the company that you need to reach out to.

Once you have identified your mortgage servicer, you can contact them via phone or mail. If you choose to call, have your loan details on hand and be prepared to explain your situation. They may ask you questions about your current financial circumstances and the nature of your request. It is a good idea to take notes during the call, including the name and employee ID of the person you speak to.

Alternatively, you can send a written request for information to your mortgage servicer. This can be done through a Qualified Written Request or a Request for Information. In your letter, clearly state that you are seeking information on the owner of your loan. Your mortgage servicer is obligated to provide you with the name, address, and contact information of the loan owner to the best of their knowledge.

• Date
• Your name, address, account number, and loan number
• A clear statement of the information you are requesting (in this case, confirmation of the owner of your loan)
• Any other relevant details, such as a brief description of your situation
• Your signature

Remember, your mortgage servicer is the company that you make your mortgage payments to each month. If your mortgage is owned by Fannie Mae, you can also contact the Fannie Mae Resource Center at 800-2FANNIE (800-232-6643), Option 4, for more information and assistance.

Check your monthly mortgage statement

If you're facing financial hardship, it's important to know who owns your mortgage. This is because you may qualify for mortgage relief solutions like forbearance or loan modification, which are only available if your loan is owned or guaranteed by a specific entity. For instance, Fannie Mae offers mortgage relief solutions like forbearance plans and loan modifications to those with a Fannie Mae-owned loan.

There are several ways to find out who owns your mortgage. One way is to check your monthly mortgage statement, where you can find the phone number for your mortgage servicer. If they are not the same company that owns your mortgage, you can simply ask them who holds your loan.

Fannie Mae also provides a loan lookup tool on its website, which can help you determine if Fannie Mae owns the mortgage on your home. To use this tool, carefully fill in every field on the form, as a mistake or typo can yield incorrect results. While the results are immediate, they may not be complete or accurate, so it is recommended that you contact your mortgage company to verify these results.

Additionally, you can look up your mortgage servicer by searching the Mortgage Electronic Registration Systems (MERS) website. Another option is to submit a written request, such as a Qualified Written Request or a Request for Information, to your mortgage servicer. They are obligated to provide you with the name, address, and telephone number of the owner of your loan to the best of their knowledge.

Submit a written request

If you want to know if Fannie Mae owns your mortgage, you can submit a written request to your mortgage servicer. This is known as a Qualified Written Request or a Request for Information. Your mortgage servicer is the company you make your mortgage payments to each month.

Your servicer is then obligated to provide you, to the best of their knowledge, with the name, address, and telephone number of the owner of your loan. You can find the number for your mortgage servicer on your monthly mortgage statement or coupon book.

Fannie Mae also provides a Loan Lookup Tool on its website to help you learn whether Fannie Mae owns the mortgage on your home. You will need to gather the following information to begin your loan lookup:

• Your first and last name
• Your address
• The last four digits of your social security number
• The date of birth of the borrower

After filling in the form, you will be notified immediately if Fannie Mae owns your mortgage. However, it is recommended that you contact your mortgage company to verify these results as they may not be complete or accurate.

Find out if you're eligible for mortgage relief

If you're facing financial uncertainty and believe that your mortgage is owned by Fannie Mae, you may be eligible for mortgage relief solutions. Firstly, you can use Fannie Mae's Loan Lookup Tool to check if they own the mortgage on your home. If they do, you can seek help for COVID-19-related financial hardship. You can also contact the Fannie Mae Resource Center at 800-2FANNIE (800-232-6643), Option 4, for more information.

Fannie Mae and Freddie Mac were created by Congress to provide liquidity, stability, and affordability to the mortgage market. They buy mortgages from lenders and either hold them in their portfolios or package the loans into mortgage-backed securities (MBS) that may be sold.

To be eligible for mortgage relief under the CARES Act, your loan must be owned or guaranteed by Fannie Mae or Freddie Mac. If it isn't, you may still be eligible for relief if your loan is backed by the FHA, USDA, or VA. You can find out who owns your loan by using the mortgage lookup tools on the Fannie Mae or Freddie Mac websites. Simply fill out a short form, and you will be notified immediately if they own your mortgage.

If you own a condo or townhome, the search feature may say there is no match. In this case, try putting your street address and unit number in the same box, rather than in separate boxes. Once you know that Fannie Mae or Freddie Mac owns your mortgage, you should contact your loan servicer and let them know that you need assistance. Mention the CARES Act and be prepared to send them a letter. If you don't qualify for government assistance, there are also loss mitigation programs available with individual banks and mortgage lenders.

Frequently asked questions