Most home owners would not necessarily know who “owns” their mortgage loan. Home owners receive their monthly statements, and make their monthly payments, to their mortgage company (or mortgage servicer). This is usually not the company that provided the funds originally to make the loan.
Typically, the mortgage company providing the statements and accepting the payments is only providing the service of billing, statements, customer service, etc. The company that provided the funds originally is called the “investor”, of which, Fannie Mae and Freddie Mac are the two largest investors in the country. Both companies have setup a self service web portal for consumers to determine whether or not that company is the investor on a particular home loan. The links to those services are below.
Please note: Even if your loan is owned by either company, you will still need to find a participating lender to fully determine your eligibility for the program. To find a participating lender, simply complete the 4 step form to the right.