How do I know if my mortgage is federally backed or federally secured? COVID-19 Housing Assistance Program Appeals Process.

FAQ#: 460 published 1-13-2022

Mortgage Servicers are typically not mortgage holders. A mortgage servicer is most likely the addressee to which you pay your monthly mortgage payment to and the people you call or email for more information. Their customer support representatives may not know who actually holds your mortgage.

To help you with your COVID-19 Housing Assistance Program Appeals Process here are the major groups that you can contact to find who owns your mortgage.

Visit the following sites to search your mortgage if insured by:

If you are not listed with Fannie Mae or Freddie Mac you can try:

  • Read your mortgage documents, your mortgage papers may actually show the holders name in the header or footer of your documents.
  • You can contact your mortgage servicer (who you pay) and ask them for information on if your mortgage is federally secured and who has secured the loan. (FHA, VA, USGA, HUD, Fannie, Freddie)
  • You can contact any HUD approved housing counseling agency for assistance. Your state housing authority should have a list available to you. These agencies are typically not for profit businesses funded by your state via the federal grant programs provided by HUD.

NOTE: If you have been denied and need to appeal I will be publishing the standard appeals process and I will be sharing what to include with your appeal. It's important for those processing appeals to not make your appeal based simply on emotional feelings you might be experiencing that are out of your control. Appeals have to be directed at policy, most states will follow the HUD hardship policies for appeals. You will have 30 days to appeal a denied application. If your state did not publish with your denial letter your right to appeal then you can still appeal under HUD policy. Your second appeal with new information if denied more than once will be labeled a exceptions panel or board review. This is when your state has management (state managers assigned to HUD programs) review your appeal. State managers can ask for waivers in special cases. This is a more complicated process but necessary if you are denied your appeal and still feel you need the assistance.

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