Before you can shop for a mortgage refinance or figure out what relief options are available on your home loan, it helps to know who actually owns it. Most homeowners assume that's whoever they send their monthly payment to, but that company is typically just your loan servicer — not the investor who owns the loan itself. The servicer collects and processes your payment, then passes it on to the investor in exchange for a small servicing fee.
Freddie Mac — short for the Federal Home Loan Mortgage Corporation (FHLMC) — is a government-sponsored enterprise that purchases conventional mortgages and packages them into mortgage-backed securities sold on the secondary market. Freddie Mac only owns conventional (conforming) loans. If your loan is FHA, VA, USDA, or a jumbo loan above conforming limits, Freddie Mac is not your investor — see below for where to check instead.
Why does it matter who owns my loan?
Whether Freddie Mac owns your mortgage can affect which refinance and relief programs you're eligible for, including:
- Standard rate-and-term or cash-out refinances under conventional guidelines
- High loan-to-value refinance options for borrowers with limited home equity
- Freddie Mac'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 means your loan officer can point you straight to the programs that apply to your loan, instead of you spending time on options that don't fit.
How to look up your Freddie Mac loan
Step One: Gather the following information before you start:
Step Two: Visit Freddie Mac's Loan Lookup tool at myhome.freddiemac.com/resources/loanlookup.
Step Three: Enter your information and click "Submit" to see whether Freddie Mac 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 Freddie Mac 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 Fannie Mae owns my loan instead?
Fannie Mae and Freddie Mac are separate companies with separate lookup tools — a "no result" on the Freddie Mac tool doesn't rule out Fannie Mae. Run the same search on our Fannie Mae Loan Lookup Tool page.
What if neither Freddie Mac nor Fannie Mae owns my loan?
Freddie Mac and Fannie Mae only purchase conventional loans, so if you have an FHA loan, VA loan, USDA Rural Housing loan, or a jumbo 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 Freddie Mac Loan Lookup Tool free?
Yes. Freddie Mac's Loan Lookup Tool 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 Freddie Mac or Fannie Mae.
Why can't the lookup tool find my loan?
If Freddie Mac's tool doesn't find a match, your loan may be owned by Fannie Mae, 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 Freddie Mac 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