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Below are links to organizations that provide homeownership information and counseling services. The sites to which you will be directed are neither owned nor operated by MERSCORP Holdings, Inc. or Mortgage Electronic Registration Systems, Inc. The companies are not responsible for any content therein, and they do not control, monitor or guarantee the information contained in these sites or information contained in links to other external web sites.

Fannie Mae — A government-sponsored enterprise chartered by Congress to keep money flowing to mortgage lenders, to help strengthen the U.S. housing and mortgage markets, and to support affordable homeownership.

FHA Resource Center — Part of the U.S. Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA) provides mortgage insuirance on loans made by FHA-approved lenders throughout the U.S. and its territorties.

Foreclosure Rescue Scams — Offered by the Federal Trade Commission, this site offers tips on recognizing foreclosure scams.

Freddie Mac — A government-sponsored enterprise chartered by Congress to stabilize the nation's residential mortgage markets and expand opportunities for homeownership and affordable rental housing.

Hope Now — An alliance between counsellors, servicers, investors and other mortgage industry participants to assist distressed homeowners.

KnowYourOptions — A website offered by Fannie Mae to help homeowners understand available options if they are experiencing financial hardship.

NeighborWorks America — A national nonprofit organization created by Congress to provide financial support, technical assistance and training for community-based revitalization efforts.

U.S. Department of Housing and Urban Development — This federal government housing agency provides helpful information about avoiding foreclosure and other topics.

Frequently asked questions concerning disputing your personal information

Having trouble finding information on our website? Contact Us.


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 a servicer?

The servicer is YOUR mortgage company. It is the company that handles the day-to-day tasks associated with managing your loan. Their duties include but are not limited to:

  • Collecting and remitting loan payments
  • Responding to borrower inquiries
  • Making advances when required
  • Accounting for principal and interest
  • Holding funds for payment of property taxes and hazard insurance (also called managing your escrow account)
  • Making any physical inspections of the property
  • Counseling delinquent mortgagors
  • Supervising foreclosures and property dispositions in case of defaults

After your mortgage loan closed, your lender more than likely outsourced the job of managing your loan to another company called a SERVICER. This is the company you call when you have questions about your loan.

How can I find out the identity of my servicer?

We can help! MERS® ServicerID is a free service we provide to connect you with the current servicer of your loan, if it is registered in the MERS® System. You may access it by:

  • Dialing the toll-free number at (888) 679-6377, or
  • Clicking here for online access

Can you help me identify the owner or investor of my mortgage loan?

Yes, we usually can, if your loan is registered in the MERS® System. MERS® ServicerID can also help. Dial the toll-free number at (888) 679-6377 or click here for online access.

What information do I need to provide?

You can search for servicer information in three ways: by property address, the borrower’s name and social security number, or with the unique mortgage identification number (MIN) on the mortgage or deed of trust signed at closing. Don’t worry if you don’t know it—it’s not required. But to obtain investor (owner) information, you will be asked to verify certain identifying information and check the box that confirms you are the borrower or the borrower’s authorized representative.

Why do I need to know the identity of my servicer?

There are three reasons why you must always keep track of the identity of your servicer:

  1. Your servicer is responsible for handling any questions you have about your mortgage loan. Payoff amount? Contact your servicer. Taxes and hazard insurance? They should have that information too. Check your payment booklet or your monthly statement. Do you see a toll-free number you can call or a website you can access?
  2. Your servicer is also responsible for collecting your payment. To avoid late fees and potential fraud, make sure you are sending your payment to the correct servicer.
  3. If you are unable to make the payments on your mortgage and wish to negotiate the terms of your loan, you may only do so with your servicer. Contrary to popular belief, it is your servicer and not the investor that can negotiate the terms of the loan with you.

Where can I get more information on my loan or the basics of obtaining a mortgage?

For more information and assistance on your mortgage loan, please visit one of the following websites:

  • Hope Now. An alliance between counselors, servicers, investors and other mortgage industry participants to assist distressed homeowners.
  • Home Loan Learning Center. Sponsored by the Mortgage Bankers Association. Educates consumers on the basics of obtaining a mortgage. Also includes a link to its Foreclosure Prevention Resource Center.
  • Neighborworks America. A national nonprofit organization created by Congress to provide financial support, technical assistance, and training for community-based revitalization efforts.
  • Information on foreclosure rescue scams, published by the Federal Trade Commission.

Frequently asked questions concerning disputing your personal information:

How do I inform you that my personal information is inaccurate in the MERS® System?

Disputing incorrect personal information is easy. However, only the affected individual may submit a dispute. To do so, please follow the steps below:

  1. Click here to access the MERSCORP Holdings Borrower Dispute Notification secure portal.
  2. For first time users, click here to create a new account.
  3. Activate your account by clicking the link in the confirmation email that was sent to the email address you entered to register your account.
  4. Re-enter the portal by typing your username and password.
  5. Click the "COMPOSE" tab and type and send your message.
  6. Begin composing your secure message. In your message, please include the following information:
      • The reason for your dispute
      • The 18-digit Mortgage Identification Number of your loan OR your social security number and property address so that we can identify the registered loan related to the disputed information
      • Your full name and contact telephone number
      • Any supporting documentation relevant to your dispute.

How long will the process take?

After we receive all of the information necessary to process your dispute, the investigation into your dispute may take up to 30 days to complete.

How can I submit additional documents with my dispute?

If you are sending a message through the secure portal, please select the "ATTACH FILE" button located on the upper right hand corner of your screen. 

I have additional questions about my dispute. Who can I contact?

Please submit all questions through the MERSCORP Holdings Borrower Dispute Notification secure portal.

Finding your mortgage information is easy! MERS® ServicerID is a free service that provides information on the current servicer and investor (owner of the note) for loans registered on the MERS® System. Access to MERS® ServicerID is available:

  • Phone: (888) 679-6377
  • Online

Borrowers can search for servicer information one of three ways:

  • By property address
  • By the borrower's name and social security number
  • Or with the unique mortgage identification number (MIN) on the mortgage or deed of trust signed at closing. Don't worry! If you don't know it - it's not required.

To obtain investor information, you will be asked to verify certain identifying information and check the box that confirms you are the borrower or the borrower's authorized representative. 

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: Information for Homeowners

  • 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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