MERS® System

Experience the Benefits of being a MERS® System Member!

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.

Two of the primary benefits of being a MERS® System Member (“Member”) are:

  • Saving money
    • Eliminates need for certain paper assignments, thus reducing costs associated with transferring mortgage rights
  • Reducing issues related to breaks of chain in the title
    • At closing, the borrower and lender agree to name Mortgage Electronic Registration Systems, Inc. (MERS) as mortgagee or beneficiary on the mortgage or deed of trust
    • The lender then records the mortgage in the county land records and registers the information about the loan on MERS® System
    • MERS remains mortgagee in the land records as servicing rights and notes are bought and sold between active Members. No interests are transferred on the system; they are only tracked

Who can become a member?

Membership is open to originators, servicers, lenders, and brokers serving the mortgage industry. Learn about MERS to determine if membership is right for you.

MERS® System Resources


MERS® Link

MERS® Link is a subscription-based website that allows subscribers to retrieve information about the current servicer and investor of a mortgage registered on the MERS® System. Access to MERS® Link is available to MERS® System Members, or to title companies and other industry participants by purchasing an annual subscription.

To subscribe to MERS® Link:

  1. Review the MERS® Link Terms and Conditions
  2. Click the link at the bottom of the page to accept the Terms and Conditions and download the MERS® Link Subscription Request form ("Request Form").
  3. Complete and execute the Request Form. This may be done electronically or you may print it.
  4. Submit the Request Form via fax or email to the address indicated.

What are the benefits of MERS and the MERS® System?

  • Eliminates breaks in the chain of title
  • Hard dollar savings on each loan for lenders
  • Identity of servicer and investor available for free to homeowners via phone or Internet
  • Used by lenders to find undisclosed liens
  • Used by governments and code enforcement officers to find companies responsible for maintaining vacant and abandoned properties
  • Simplifies lien releases because chain of title starts and stops with MERS
  • Increases efficiency in sale of loans and servicing transfers in secondary market
  • Uses the Mortgage Identification Number (MIN) assigned to each loan for tracking throughout the life of a loan