If you're exploring a mortgage refinance or wondering what relief options are available on your home loan, one of the first questions a loan officer will ask is: who owns your mortgage? Many homeowners assume that's whoever they mail their payment to each month, but that company is usually just your loan servicer, not the investor who actually owns the loan. The servicer collects your payment and passes it along to the investor, earning a small fee for handling the paperwork.
Fannie Mae — short for the Federal National Mortgage Association (FNMA) — is one of the two government-sponsored enterprises that buy conventional mortgages from lenders and package them into mortgage-backed securities. Fannie Mae only owns conventional (conforming) loans. If your loan is FHA, VA, or USDA, Fannie Mae is not your investor — see below for where to check instead.
Why does it matter who owns my loan?
Whether Fannie Mae owns your mortgage can affect which refinance and relief programs you qualify for, including:
- Standard rate-and-term or cash-out refinances under conventional guidelines
- High loan-to-value refinance options for borrowers with limited equity
- Fannie Mae's forbearance and loss mitigation programs if you're facing a temporary hardship
- Confirming who to contact if your servicer changes or you have a dispute about your loan
Knowing your investor up front saves time — your loan officer can immediately point you to the programs that actually apply to your loan instead of exploring options you don't qualify for.
How to look up your Fannie Mae loan
Step One: Gather the following information before you start:
Step Two: Visit Fannie Mae's Loan Lookup tool at knowyouroptions.com/loanlookup.
Step Three: Enter your information and click "Get Results" to see whether Fannie Mae owns your loan.
For one-on-one help interpreting your results or discussing your refinance options, request information below or call a licensed Michigan loan officer at 1-800-555-2098.
Talk to a Loan Officer About Your Options
Whether or not Fannie Mae owns your loan, tell us a bit about your goals and we'll point you to the right program.
By clicking “Submit”, you consent to receive calls and texts at the number you provided, including marketing by autodialer and prerecorded and artificial voice, and email, from Riverbank Finance LLC about your inquiry and other home-related matters, but not as a condition of any purchase; this applies regardless of whether you check, or leave un-checked, any box above. You also agree to our Privacy Policy and Terms of Use regarding the information relating to you. Msg/data rates may apply. This consent applies even if you are on a corporate, state or national Do Not Call list. This no obligation inquiry does not constitute a mortgage application. To apply now or get immediate assistance, call us at 1-800-555-2098.
What if Freddie Mac owns my loan instead?
Fannie Mae and Freddie Mac are separate companies with separate lookup tools — a "no result" on the Fannie Mae tool doesn't rule out Freddie Mac. Run the same search on our Freddie Mac Loan Lookup Tool page.
What if neither Fannie Mae nor Freddie Mac owns my loan?
Fannie Mae and Freddie Mac only purchase conventional loans, so if you have an FHA loan, VA loan, or USDA Rural Housing loan, neither lookup tool will find your mortgage — that's expected. Call us at 800-555-2098 and a loan officer can walk you through the refinance and relief options that apply to your specific loan type instead.
Is the Fannie Mae Loan Lookup Tool free?
Yes. Fannie Mae's Loan Lookup Tool at knowyouroptions.com is free to use and does not require you to create an account.
Does my mortgage servicer own my loan?
Usually not. Your servicer collects your monthly payment and manages your escrow account, but the investor who actually owns the loan is often a separate company such as Fannie Mae or Freddie Mac.
Why can't the lookup tool find my loan?
If Fannie Mae's tool doesn't find a match, your loan may be owned by Freddie Mac, insured by FHA, VA, or USDA, or held in a lender's own portfolio. Call a loan officer at 800-555-2098 to confirm.
Does knowing my investor change my interest rate?
Not by itself, but it determines which refinance programs and guidelines apply to your loan, which can affect what rates and terms you're eligible for.
Ready to explore your refinance options?
Whether Fannie Mae owns your loan or not, a licensed Michigan loan officer can help you find the right program. Call 800-555-2098 or request a quote online.
Apply Now 800-555-2098