A home is the single largest investment most people will make in a lifetime. Wouldn’t it be nice to know who owns the mortgage?
Photo by woodleywonderworks, courtesy of flickr
Your monthly mortgage statement may come from the lender you bargained with, but that doesn’t mean your lender owns your mortgage. They may service the loan instead.
Many lenders, through a process known as securitization, sold mortgages to third parties as investments. Mortgage payments were used to provide a stream of cash flows to investors who purchased the new securities.
Like all securities, as long as there is a market for them, they can be bought and sold. So your mortgage could have been owned by several banks before landing in the hands of its current owner.
A great place to start looking is with government sponsored enterprises (GSEs) Fannie Mae and Freddie Mac. If you visit their Web sites and enter some information about your home, then you can find out if either entity owns your loan. Here are the links: Fannie Mae and Freddie Mac.
If you would like to speak to someone, you can call Fannie Mae at 1-800-7FANNIE from 8 AM - 8 PM and Freddie Mac at 1-800-FREDDIE between 8 AM - 8 PM. All times are Eastern Standard Time.
Both sites provide information about the new “Making Home Affordable” campaign which offers tips on refinancing and loan modifications.
译文:
你知道谁拿着你的按揭吗？
很多人一生中最大的投资就是房子。如果能知道谁拥有着房子的按揭不是很好吗？
Photo by woodleywonderworks, courtesy of flickr
你每个月的按揭声明可能是和你签契约的借款方达成的，但那并不意味着贷方拥有你的按揭。相反，他们可能只是提供贷款服务而已。
很多贷方，通过一种叫证券化的方式， 把抵押卖给第三方作为投资。分期偿还的抵押贷款作为源源不断的现金流转到了购买新证券的投资者手中。
和所有的证券一样，只要有市场存在，它们就能买卖。所以，你的按揭在到达它目前拥有者手里之前，可能曾经有几家银行拥有过它。
从政府赞助的企业(GSEs)房利美和房贷美我们就能很容易看出来。如果登陆它们的网站，搜寻一些关于你房子的信息，你就会发现，没有任何一个实体企业拥有你的贷款。这里是链接： Fannie Mae 与 Freddie Mac.
如果你想找某个人了解，你可以从早上8点到晚上8点，拨打1-800-7FANNIE找房利美，拨打1-800-FREDDIE找房贷美。时间均为东部标准时间。
两个网址都提供新住房援助计划“居者有其屋” 的相关信息，并提供再融资和贷款修正的一些建议。