MERS® provides numerous benefits to U.S. housing finance. Use the links below to obtain real facts about the company:

  • pdf Quick Facts (173 KB) – MERSCORP Holdings, Inc. is a privately held corporation that owns and manages the MERS® System and all other MERS® products. It is a member-based organization made up of about 3,000 lenders, servicers, sub-servicers, investors and government institutions.
  • pdf MERS® Today (1.92 MB) – Mortgage Electronic Registration Systems, Inc. (MERS®) serves as mortgagee in the land records for loans registered on the MERS® System, and is a nominee (or agent) for the owner of the promissory note.
  • pdf Myths v. Facts (199 KB) – Myth #1: MERS has failed to record transfers of mortgage loans in the public land records. FACT: At closing, the lender and borrower agree to appoint MERS as the mortgagee on the mortgage or deed of trust. This means that when a MERS® System member sells the loan to another MERS® System member, only the promissory note – and not the mortgage – transfers, because the mortgage is grounded in the name of MERS.
  • pdf The Myths and Merits of MERS (121 KB) – This paper, written by Patrick C. Sargent and Mark W. Harris of the Andrews Kurth Law Firm, provides background and legal analysis on the MERS® System and addresses some of the more prevalent myths and misconceptions.
  • pdf Property Preservation (168 KB) -  Vacant properties can blight neighborhoods, invite crime and lower surrounding property values. The MERS® System, operated by MERSCORP Holdings, Inc., plays a critical role in helping localities combat the problems associated with vacant homes by helping communities identify those responsible for maintaining vacant properties.

Biographies –

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