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NOTE: MERSCORP Holdings, Inc. will assess a $25.00 fee for any returned payment.


Check

Please make all checks payable to MERSCORP Holdings, Inc. and send to:

13059 Collections Center Drive
Chicago, IL 60693

If using overnight delivery, please send to:

1818 Library Street, Suite 300
Reston, VA 20190


Electronic Funds Transfer

Electronic funds transfers include eChecks, ACH Credit and Wire Transfer. 

eCheck: To submit a payment via eCheck, access the online payment service portal or call (866) 740-1768. Please have the following information available:

  • Your MERS® System Org ID
  • Invoice Number(s)
  • Checking or savings account number
  • Bank routing number
  • The name on the bank account

NOTE: A convenience fee of $2.50 will be charged for each eCheck transaction. The convenience fee assessed for the transaction will not be reversed in the event of a returned payment.

ACH Credit or Wire Transfer: Please contact This email address is being protected from spambots. You need JavaScript enabled to view it. for instructions to make payment by ACH Credit or Wire Transfer.


Credit/Debit Card

To pay using your credit or debit card, access the online payment service portal or call (866) 740-1768. Please have the following information available:

  • Your MERS® System Org ID
  • Invoice Number(s)
  • Your card number, expiration date and security code

We accept payments by MasterCard, American Express, VISA and Discover. 

NOTE: Each payment transaction may not exceed $400.00, however, multiple payment transactions may be processed to pay an invoice total. A convenience fee of $6.95 will be charged for each credit/debit card transaction. 


Questions?

For address changes, W-9 requests or questions, please contact the MERSCORP Holdings, Inc. Finance Department at (800) 646-6377 x1655 or email us at This email address is being protected from spambots. You need JavaScript enabled to view it.. Thank you for doing business with MERSCORP Holdings, Inc.

Interested in joining the MERSCORP Holdings team?

MERSCORP Holdings, Inc. is a privately held corporation that owns and manages the MERS® System and all other MERS® products.  Users of the MERS® System include thousands of lenders, servicers, sub-servicers, investors and government institutions.  Mortgage Electronic Registration Systems, Inc. (MERS), a subsidiary of MERSCORP Holdings, serves as the 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.  The MERS® System is a national electronic database that tracks changes in mortgage servicing and beneficial ownership interests in residential mortgage loans. 

MERSCORP Holdings Employee Benefits:

  • Medical, dental, and vision insurance
  • 401(k) with Roth 401(k) option
  • Life, disability and long term care insurance
  • Paid leave benefits

Employment Opportunities

There are no employment opportunites at this time.

Corporate Headquarters

For general public, legal and borrower inquiries, including lien releases and document searches, please contact:

Phone: (800) 646-6377

Sales Contacts

For a listing of specific sales contacts, see the Sales Contacts page.


What is MERSCORP Holdings?

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 more than 5,000 lenders, servicers, sub-servicers, investors and government institutions.

What is MERS?

Mortgage Electronic Registration Systems, Inc. (MERS) is a wholly-owned subsidiary of MERSCORP Holdings, and its sole purpose is to serve as mortgagee in the land records for loans registered on the MERS® System.  MERS is a nominee for the lender and subsequent buyers (“beneficial owners”) of a mortgage loan and serves as a common agent for the mortgage industry.

What is the MERS® System?

The MERS® System is a national electronic database that tracks changes in mortgage servicing rights and beneficial ownership interests in loans secured by residential real estate. 

How does MERS work?

howmersworks

What is the MERS® eRegistry

The MERS® eRegistry is a system of record that identifies the owner (Controller) and custodian (Location) for registered eNotes, providing greater liquidity, transferability and security for lenders. It will reduce the risk and generate more profits for lenders because the Notes registered on it will be in electronic format. It shortens the timeframe between the closing and the securitization of the loan, enabling the Note to move instantly, creating faster funding.

The MERS® eRegistry is one of multiple functions utilized by Participants to satisfy the control requirement of Section 201(c) of the E-SIGN Act and Section 16(c) of the UETA with respect to a transferrable record (“eNote”). Its role is to be the authorized source to identify the party that has Control of the eNote and the Location (i.e., the party that maintains the Authoritative Copy of the eNote). Each Participant is responsible for determining that all the functions, including the MERS® eRegistry as set forth herein, utilized by the Participant and its service provider(s) constitute a system that satisfies the control requirements of Section 201(c) of the E-SIGN Act and Section 16(c) of the UETA.

Are MERS loans recorded in the public land records?

All MERS mortgages (or deeds of trust) registered on the MERS® System are recorded in the public land records. The MERS® System is not a system of public record, nor a replacement for the public land records. No interests in those mortgages (or deeds of trust) are transferred on the MERS® System; they are only tracked. MERS as original mortgagee eliminates breaks in the chain of title because the lien is grounded in MERS' name.

How does MERS become a mortgagee or beneficiary?

There are two ways. In most cases, MERS becomes mortgagee or beneficiary at closing when the borrower and lender both agree to standard language in the security instrument making MERS the original mortgagee or beneficiary, with the right to act on behalf of the lender and its successors and assigns. The standard language is approved and used by Fannie Mae, Freddie Mac, Ginnie Mae, the Federal Housing Administration (FHA) and the Veterans Administration (VA).  In cases where MERS is not named as the original mortgagee on the security instrument, a lender can record an assignment of the mortgage to MERS after closing.

What does “MERS as original mortgagee” mean to borrowers?

MERS’ role and rights are clearly spelled out in the contract between borrower and lender. When borrowers sign the mortgage security instrument at closing, they agree to standard language that grants and conveys legal title of the mortgage to MERS as mortgagee, giving the company the right to act on behalf of the current and subsequent owners of the loan.

Does MERS collect mortgage payments from borrowers?

No. MERS, MERSCORP Holdings or the MERS® System do not service mortgages. Mortgage lenders, or other mortgage servicing companies, collect payments from borrowers and manage their loans.  Borrowers who have questions about their loans, or who need help with foreclosure prevention, should contact the company they send their payments to—not MERS or MERSCORP Holdings.

Does MERS have the documents for loans registered on the MERS® System?

No. MERS, MERSCORP Holdings or the MERS® System are not document custodians and do not hold promissory notes or mortgage documents on behalf of lenders, servicers or investors. We are not responsible for keeping mortgage records—the servicer maintains the loan files. 

What does MERS do for lenders?

As the mortgagee of record, MERS receives service of process, legal notices and other mail regarding the mortgaged properties. MERSCORP Holdings, Inc., on behalf of MERS, sorts, scans and transmits documents electronically to the appropriate MERS® System Member.  Because MERS is a common agent for its members, recording an assignment of the mortgage is eliminated when ownership of the promissory note or servicing rights transfer between members.  This reduces work and cost. The MERS® System also provides information on undisclosed liens, which reduces fraud.  

How does MERS benefit borrowers?

MERSCORP Holdings, Inc. provides access to data in the MERS® System free of charge to homeowners, county officials, and regulatory officials (subject to privacy restrictions).  Homeowners can access the data on their mortgage loans registered on the MERS® System through MERS® Servicer ID online or by phone at (888) 679-6377.

  • About Us

    About Us

    Today’s financial services industry depends on technological innovations to provide its customers with access to information, increased efficiency and reduced processing costs. MERSCORP Holdings, Inc. owns and operates the MERS® System, a national electronic registry system that tracks the changes in servicing rights and beneficial ownership interests in mortgage loans that are registered on the System.

    Read More
  • MERS® eRegistry

    MERS® eRegistry

    The MERS® eRegistry is essential to the eMortgage world. It is the legal system of record for identifying the Controller (holder) and Location (custodian) for the authoritative copy of a registered eNote. Lenders today are closing eNotes and selling them into the secondary market. Both Freddie Mac and Fannie Mae require that Lenders register their eNotes on the MERS® eRegistry.

    white paper site

    Read More
  • Information for Homeowners

    Information for Homeowners

    Homeowners today want information about their mortgage loans. Some are facing financial hardship and are struggling with mortgage payments. Information and helpful resources are available. 

    Read More
  • Neighborhood Benefits

    Neighborhood Benefits

    Title agents, government agencies and others looking for information about mortgage loans registered on the MERS® System can use Servicer ID or MERS® Link. This public access is often used by local municipalities to identify the servicer responsible for maintaining vacant or abandoned property.

    Read More
  • Media Room

    Media Room

    The MERSCORP Holdings, Inc. Media Room provides press contact information and facts about the company and its subsidiary, Mortgage Electronic Registration Systems, Inc. (MERS). These materials are provided to help national, regional and local media better understand the companies' business model and role in the U.S. housing finance system.

    Read More
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Copyright© 2017 by MERSCORP Holdings, Inc. (800)-646-6377
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Click here to proceed.

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