Does Fannie Mae or Freddie Mac Own My Home Loan?

The majority of mortgages currently being sold in the United States are owned by one of two entities, either Freddie Mac or Fannie Mae. However, if the original loan was a conventional mortgage, it may not be a Freddie Mac or Fannie Mae product. This becomes an important consideration when applying for refinancing under the government’s Home Affordable Refinance Program (HARP) or which currently services only Fannie Mae or Freddie Mac mortgages.

Is the company I send my mortgage payments to the loan owner?

Like many borrowers, you may think your mortgage loan is owned by the company you send your payment to each month. However, that may not be the case. In actuality, it is likely that you’re paying a third-party mortgage servicer who does not own the debt, but handles the bookkeeping for the loan and collects your monthly payments.

Why do I need to know who owns my mortgage?

If you are interested in using the new HARP program, you must already have a Freddie Mac or Fannie Mae loan, or the original mortgage must have been sold to Fannie Mae or Freddie Mac on or before May 31, 2009 (or refinanced through Fannie Mae between March and May of 2009).

Does Freddie Mac or Fannie Mae own my mortgage?

There are three ways to determine whether you have a Fannie Mae or Freddie Mac mortgage:

  1. Contact your mortgage servicer directly and ask for the information. The mortgage servicer’s contact information is typically listed on your monthly mortgage statement. You will probably need to provide personal information to identify yourself as the homeowner.
  2. Contact Freddie Mac or Fannie Mae directly by telephone. To find out if Fannie Mae and Freddie Mac own your mortgage, call Fannie Mae at 1-800-7FANNIE or call Freddie Mac at 1-800-FREDDIE. You will need to enter your full name, mortgage address, and the last four digits of your social security number
  3. Use the secure online look-up tools for Fannie Mae and Freddie Mac:

You will need to provide your full name and address, the last four digits of your social security number, and confirm that you are the property owner. When using the secure online look-up tools, you will need to enter your information correctly, as any data-entry or typographical error will interfere with the search and matching process. Provide your information correctly and then click “Get Results.”