Effective February 1, 2012, loan servicers MUST provide assistance to unemployed homeowners with mortgages owned by Freddie Mac. How can you find out if your mortgage is owned by Freddie Mac?
- Call the 800 number on your mortgage statement, and ask the servicer. If the operator will not tell you, ask to speak to a supervisor. Get that person's full name, or their first name and employee ID number, and then say, "I am entitled to this information under the Truth in Lending Act, 15 U.S.C. §1641(f)(2)" If they still won't give it to you, go to step 2 below, and also send me an email telling me about your problem.
- Go to Freddie Mac's website and enter your information. Make sure your address is entered in exactly the same way it appears on your mortgage statement. If they say they own your mortgage, you can rely on that. If they say they don't own your mortgage, that might be a mistake. Keep trying to get an answer from the servicing company.
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