What is Loan Lookup?
A loan lookup is a free official tool that tells you whether Fannie Mae or Freddie Mac owns or backs your mortgage, which can decide your eligibility for certain refinance and relief programs. Because your monthly statement usually names only the loan servicer, not the investor, these lookups are the reliable way to learn who actually holds the loan. Check both, since each covers only its own loans: Freddie Mac at https://myhome.freddiemac.com/resources/loanlookup and Fannie Mae at https://yourhome.fanniemae.com/calculators-tools/loan-lookup.
Example: A homeowner considering a refinance runs both loan-lookup tools, finds that Fannie Mae backs the loan, and then checks which Fannie Mae programs they may qualify for.