Who owns the file? 16 January 2019 This practice note provides guidance on which parts of the file are owned by the client and which are owned by you. The information which follows is subject to there being no different contractual arrangement with the client.

Fannie Mae is at all times the owner of the mortgage note, whether the note is in Fannie Mae’s portfolio or whether owned as trustee, for example, as trustee for an MBS trust. In addition, Fannie Mae at all times has possession of and is the holder of the mortgage note, except in the limited circumstances expressly described below.

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A mortgage holder, more accurately called a "note holder" or simply the "holder", is the owner of your loan. The holder has the right to enforce the loan agreement. The loan agreement consists of: a promissory note, and

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Not so long ago it was put in a vault or a file, so that if the homeowner fell behind in payments, the owner of the note was able to locate the document that proved.

Now the 33-year-old Decatur real estate agent owns an extensive collection of over 100 records, his favorite being a live.

Note &. Mortgage. Depositor. Creates issuing entity. Note &. Mortgage. Trust. Holds pool of loans; issues certificates. Note &. Mortgage. Trustee.

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Ask the representative for the name of the company that owns your mortgage. The representative may tell you that the same company who services your loan owns it as well. This is somewhat rare, however. It’s more likely that the representative will tell you that a different company or entity owns your note.