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.

Learn More

Resources

• Watch this tutorial to learn more about MERS
• Apply for Membership
• MERS^® System Membership Brochure
• MERS^® System Pricing Schedule
• FAQ
• Contact Us

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:

1. Review the MERS^® Link Terms and Conditions
2. Click the link at the bottom of the Terms and Conditions to download the MERS^® Link Membership application.
3. Complete and execute the Membership application.
4. Email your completed Membership application to the MERSCORP Holdings Help Desk.

Access MERS^® Link

Contact us to learn more

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