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.
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
Experience 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
How to become a MERS System Member
For a smooth path to MERS System membership, review and gather all required documents before starting your application. When ready, click "Apply for Membership" to access the MERS eApplication Walkthrough, a recorded guide that walks you through accessing and completing the application.
We strongly recommend viewing the walkthrough in its entirety to increase the chances of a successful application. Please allocate approximately 45 minutes to 1 hour to complete the guided process.
MERS Link
MERS Link is a service that allows organizations to retrieve summary information regarding mortgage loans registered on the MERS System, including the loan’s current Servicer and any Property Preservation Company associated with the property. Because MERS Link is accessed through MERS OnLine, the browser-based interface to the MERS System, use of MERS Link requires membership in the MERS System.
To become a MERS Link Member:
- Review the MERS Link terms and conditions
- Click the link at the bottom of the Terms and Conditions to download the MERS Link Membership application
- Complete and execute the Membership application
- Email your completed Membership application to the MERSCORP Holdings Help Desk