- 1). Ask your loan servicer -- the company that takes your payments -- who actually owns your mortgage. The servicer may not tell you; the Keep My House website states that some investors prefer not to have the information publicized. But if the servicer is willing to cooperate, that's the simplest way to find out. If you can at least find out a list of the companies the servicer works for, you can narrow it down.
- 2). Check at your local county courthouse. If the original lender has transferred the mortgage, it should be recorded there. In many cases, though, according to the Daily Caller website, companies have neglected to record the transfer after the mortgage was transferred.
- 3). Contact Freddie Mac and Fannie Mae, government-sponsored corporations that invest in the mortgage market, and find out if one of them holds the mortgage. If your loan is owned by either corporation, your loan servicer has to participate in the federal Making Home Affordable program for refinancing and modifying mortgages. The program sets qualifications you'll have to meet; but if you do qualify, the program will help you reduce your monthly housing payments.
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