How to Identify Your Mortgage Holder

• 1). Review your original mortgage paperwork. Determine through whom you originally obtained the mortgage. Call the representative or loan officer at that company with whom you originally dealt and ask where your loan was transferred.
  
  
• 2). Call the customer service department at the original mortgage company if your old loan officer cannot provide the name of the new mortgage holder. Ask the representative to search for the new company. When a loan is sold, both the old and new mortgage holders are required to contact you---giving you information about the new company and when and how the loan will be transferred. Customer service should have this on file.
  
  
• 3). Review your financial records. You may have the letters from the mortgage companies (both old and new) and not realize it. Go through at least 6 months worth of mail and records and try to find the transfer letters.
  
  
• 4). Call the number listed on your most recent statement. This statement will likely be from the new mortgage holder---and thus you'll find out immediately who the new provider is. Ask about where to send payments, your escrow accounts (if applicable), and any other questions you may have for the new provider.
  
  
• 5). Pull a copy of your credit report as a last resort. A credit report will show a listing for the new mortgage company. Research that company, find their contact information, and call them for clarification on your loan.