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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

Resources

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

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.