Who Owns My Mortgage?

When trying to contact your lender to work out a payment plan or some other deal, knowing who owns your mortgage can be very helpful. Unfortunately finding out is not as easy as it sounds. You should be able to call the phone number on your last mortgage statement or the number in your payment coupon book and connect directly with your lender.

To add to the confusion, the mortgage meltdown sank many banks and other lending institutions which were taken over by other banks or regulators.

So, what should you do if you’re trying to track down your lender? Take the following approach:

1. Call the phone number on your most recent mortgage statement or your payment coupon book. This will put you in touch with who may be the lender that owns your mortgage or at least be able to tell you the name of your lender. (Remember, the person may not know or may not be permitted to tell you.)

2. If you have an FHA loan, contact FHA’s National Servicing Center to determine who owns your mortgage:

(800) CALL- FHA / (800) 225- 5342

Email hsg-lossmit@hud.gov

Department of Housing and Urban Development National Servicing Center 301 NW 6th Street, Suite 200 Oklahoma City, OK 73102

3. You can try to contact Fannie Mae. If they own the note, they may provide the identity of the investor: 1-800-7FANNIE (1-800-732-6643).

4. If the mortgage is listed as MOM or has a MIN (Mortgage Identification Number) assigned to it, you can search the MERS database by mortgage identification number (MIN), your name and social security number, or the property’s address. Dial the toll-free MERS Service Identification System at 888-679-6377 (an automated touch-tone system) or search online.

One of the most important steps to saving your home from foreclosure is to get in touch with your lender immediately and to call a Realtor to ask for help.

I specialize in working with buyers looking to buy and invest in Real Estate in Northern Nevada and the Gardnerville Nevada area. So please call Dan LaPorte, REALTOR® with Century 21 at 775-783-7372 or email me @ c21homehunter@gmail.com or go to my website www.nevadahomehunt.com

Location: Minden Nevada / Johnson Lane

Features

Bedrooms: 3

Bathrooms: 3.5

Parking Spaces: 3

Year Built: 2008

Lot Size: 1.0

Garage Size: 3

School District: Douglas

Square Footage: 2680

Agent Name: Dan LaPorte

Broker: Century 21 Clark

MLS #: 80014568

http://nevadahomehunt.vflyer.com/home/flyer/home/1899489

Carson City Nevada Real Estate
Approx. Population 52,457Nevada’s capital offers more than you might think. With rustic beginnings as a frontier town, now this beautiful and lively city holds a prominent position on Nevada’s map. Postcard-perfect places welcome you to one of the largest historic residential districts in the west. Carson City serves as the hub for sightseers and adventure-seekers alike with rich historic offerings, endless entertainment, world-class golf, scenic Lake Tahoe just minutes away, and so much more. Carson City neighborhoods offer a wide-range of housing from affordable to affluent.

Find Carson City Nevada Real Estate For Sale:

 Residential

Multi Family

Lots and Land

Carson City homes for sale range from $105,000 to $1,500,000. Land prices range from $79,000 to as high as $6,400,000. Available homes in Carson City include Single Family, Foreclosures, Multi-Family, Condos, New Construction, Modular Homes, Acreage, Commercial & Investment Property, Golf Course & Retirement Communities, Luxury, Horse Property, Historic Homes, Victorian Homes, Vacation Homes, and Townhouses.

 When you are ready remember I specialize in working with buyers looking to buy and invest in Real Estate in Northern Nevada and the Carson City Nevada area. So please call Dan LaPorte, REALTOR® with Century 21 at 775-783-7372 or email me @ c21homehunter@gmail.com or go to my website www.nevadahomehunt.com

Dayton Nevada Real Estate
Approx. Population 5,907Dayton Nevada is known for its beautiful high-desert setting, its rich historical heritage, wonderful location, close proximity to all of Northern Nevada, and the beautiful Carson River meandering slowly through downtown. Still only minutes away from Carson City Nevada, Reno, and Lake Tahoe, Dayton offers a wonderful place to live and is being spurred by dynamic growth in all industries.

Dayton Nevada Real Estate For Sale:

 Residential

Lots and Land

Dayton Nevada homes for sale range from $119,000 to $2,995,000. Land prices range from $49,000 to as high as $3,350,000. Available homes in Dayton NV include Single Family, Multi-Family, Condos, New Construction, Modular Homes, Acreage, Riverfront, Commercial & Investment Property, Golf Course Communities, Luxury, Farm Land, Horse Property, Historic Homes, Victorian Homes, and Townhouses.

Minden Nevada Real Estate

Approx. Population 9,462

The picturesque city of Minden Nevada is the county seat of Douglas County. Charming and lively, this once stern and solemn railroad town is now vibrant and interesting. Minden truly offers a superb quality of life, with the perfect blend of civilization and the ability to escape it in mere moments. Whatever your activity-golfing, skiing, hiking, camping, or a host of other world-class entertainment-you’ll find it here.

Minden Nevada Real Estate For Sale:

Minden NV homes for sale range from $130,000 to $2,995,000. Land prices range from $98,000 to as high as $2,200,000. Available homes in Minden include Single Family, Multi-Family, Condos, New Construction, Modular Homes, Acreage, Commercial & Investment Property, Golf Course & Retirement Communities, Luxury, Farm Land, Horse Property, Historic Homes, Victorian Homes, Vacation Homes, and Townhomes

Residential

Multi Family

Lots and Land

 So when you are ready remember I specialize in working with buyers looking to buy and invest in Real Estate in Northern Nevada and the Minden Nevada area. So please call Dan LaPorte, REALTOR® with Century 21 at 775-783-7372 or email me @ c21homehunter@gmail.com or go to my website www.nevadahomehunt.com

Smith Valley, Nevada Homes For Sale
As a rural farm and ranch community, many people are finding Smith Valley is everything they ever wanted in a community—not too close to the urban areas, but still isolated enough to allow solitude and relaxation. Smith Valley gives everyone who lives here a sense of being one with nature. If that describes your perfect home, then come on home to Smith Valley!

View Property Listings For Sale In Smith Valley Nevada:

Residential

Lots and Land

 Homes for sale in Smith Valley range from $122,300 to $1,950,000. Land prices range from $55,000 to as high as $500,000. Available homes in Smith Valley include Single Family, New Construction, Modular Homes, Acreage, Riverfront, Investment Property, Luxury, Farm Land, Horse Property, and Victorian Homes.

So when you are ready remember I specialize in working with buyers looking to buy and invest in Real Estate in Northern Nevada and the Smith Valley Nevada area. So please call Dan LaPorte, REALTOR® with Century 21 at 775-783-7372 or email me @ c21homehunter@gmail.com or go to my website www.nevadahomehunt.com

Marla Franke of Greater Nevada  Minden/ Gardnerville Branch
Greater Nevada Credit Union  Makes lending easy!   We have a new Auto Smart Page that allows you to apply for loans online, get access to cars available at local dealers and sign your loan documents directly at the dealer to make it all one stop shopping. 

 Take a look at our new auto smart page.  http://www.cudlautosmart.com/asentry.aspx?cucode=3732
If you wish to purchase a vehicle as a private party purchase or you are looking to refinance an existing loan I would love to speak with you.   I am an experienced lending officer and strive to make your loan experience a pleasant and easy one.  My direct phone is 783-7582    Let me assist you with a “ GREATER” lending experience.

• Contact: Marla Franke
  
• Phone: 775-882-2060 X-7582
• E-mail: mwfranke@gncu.net
• Website: www.gncu.org
• Category: Auto Loans
• Address: 1545 Highway 395
• Minden, NV
  89423

If you planning to start you home hunting in the Carson Valleyand Northern Nevada area I can help you with some basic but important home hunting steps you should be aware of. Keeping yourself on track as you prepare to look for your next dream home or investment will not only insure your success  but will allow you to have fun while you are out looking.

While most buyers have made at least one purchase, your home hunting experience can become very over whelming if you don’t adhere to some sort of game plane, I have seen some of the most seasoned home buyers lose track early on in their search and waste time looking at homes that they may or may not purchase.

So if you only start with the 8 tips below and make it part of your home search you will find you will be much farther ahead and will soon see that hunting for you next home can and will be fun!

1. Research before you look. Decide what features you most want to have in a home, what neighborhoods you prefer, and how much you’d be willing to spend each month for housing.

2. Be realistic. It’s OK to be picky, but don’t be unrealistic with your expectations. There’s no such thing as a perfect home. Use your list of priorities as a guide to evaluate each property.

3. Get your finances in order.Review your credit report and be sure you have enough money to cover your down payment and closing costs. Then, talk to a lender and get pre-qualified for a mortgage. This will save you the heartache later of falling in love with a house you can’t afford.

4. Don’t ask too many people for opinions. It will drive you crazy. Select one or two people to turn to if you feel you need a second opinion, but be ready to make the final decision on your own.

5. Decide your moving timeline. When is your lease up? Are you allowed to sublet? How tight is the rental market in your area? All of these factors will help you determine when you should move.

6. Think long term. Are you looking for a starter house with plans to move up in a few years, or do you hope to stay in this home for a longer period? This decision may dictate what type of home you’ll buy as well as the type of mortgage terms that will best suit you.

7. Insist on a home inspection. If possible, get a warranty from the seller to cover defects for one year.

8. Get help from a REALTOR®. Hire a real estate professional who specializes in buyer representation. Unlike a listing agent, whose first duty is to the seller, a buyer’s representative is working only for you. Buyer’s reps are usually paid out of the seller’s commission payment.

So when you are ready remember I specialize in working with buyers looking to buy and invest in Real Estate in Northern Nevada and the surrounding Carson Valley area. So please call Dan LaPorte, REALTOR® with Century 21 at 775-783-7372 or email me @ c21homehunter@gmail.com or go to my website www.nevadahomehunt.com

When you are a buyer looking to get pre-approved to purchase a home in the Carson Nevada area, you can never ask to many questions. Most lenders are happy to go through the loan process and answer the questions that you may have.

So I have outlined below some of the more important questions that you should ask, Keep in mind you can questions other than the ones I have put together this will just help you to get going.

As a buyer, the more knowledge you can gain, the better you will be prepared when you get ready to buy your next home so ask questions! If you find you are not getting the response to your questions, maybe you need to start looking for a different lender. I can help with that as well, so if you need a referral let me know.

I always recommend you speak to two lenders anyway, this way you can compare them and see who you get the best feeling from. You will be working with them for at least the next thirty days so make sure you believe and trust what they will be telling you…Trust your gut!

1. What are the most popular mortgages you offer? Why are they so popular?

2. Which type of mortgage plan do you think would be best for me? Why?

3. Are your rates, terms, fees, and closing costs negotiable?

4. Will I have to buy private mortgage insurance? If so, how much will it cost, and how long will it be required? (NOTE: Private mortgage insurance is usually required if your down payment is less than 20 percent. However, most lenders will let you discontinue PMI when you’ve acquired a certain amount of equity by paying down the loan.)

5. Who will service the loan — your bank or another company?

6.What escrow requirements do you have?

7. How long will this loan be in a lock-in period (in other words, the time that the quoted interest rate will be honored)? Will I be able to obtain a lower rate if it drops during this period?

8. How long will the loan approval process take?

9. How long will it take to close the loan?

10. Are there any charges or penalties for prepaying the loan?

So when you are ready remember I specialize in working with buyers looking to buy and invest in Real Estate in Northern Nevada and the surrounding Carson Valley area. So please call Dan LaPorte, REALTOR® with Century 21 at 775-783-7372 or email me @ c21homehunter@gmail.com or go to my website www.nevadahomehunt.com