Freddie Mac & Fannie Mae Loan Lookup Tools
First Heritage Mortgage provides lookup tools for Fannie Mae and Freddie Mac
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Is Your Mortgage Owned By Freddie Mac or Frannie Mae?
At First Heritage Mortgage, our mission is to open doors for homeowners and support affordable homeownership. That’s why we’re excited to share refinancing options to help lower-income borrowers lower their monthly mortgage payments.
If your mortgage is owned or guaranteed by either Freddie Mac or Fannie Mae. you may be eligible to refinance your mortgage with their Refi Possible™️ or RefiNow™️ programs. These programs provide real benefits, especially in today’s rate environment, where a refinance can translate into significant monthly savings. The Refi Possible™️ or RefiNow™️ programs remove qualifying barriers that many borrowers have faced due to high debt-to-income (DTI) ratios.
Use the tools and instructions below to quickly determine if your mortgage is owned by either Freddie Mac or Fannie Mae.
Fannie Mae Loan Lookup Tool
Does Fannie Mae own your mortgage? Use their online tool to quickly find out or call them toll-free:
Call Fannie Mae Toll-Free
800-7FANNIE (8:00am to 8:00pm Eastern Time)
Fannie Mae Online Lookup
- Visit https://www.knowyouroptions.com/loanlookup
- Fill out the simple form with all required and requested information. The form will ask for your First and Last Name, Address, and Last 4 Digits of your Social Security Number.
- If Fannie Mae DOES own your loan: the resulting page will show a match.
- If Fannie Mae DOES NOT own your loan: no match will be returned. Check to see if Freddie Mac owns your loan.
Freddie Mac Loan Lookup Tool
Does Freddie Mac own your mortgage? Use their online tool to quickly find out or call them toll-free:
Call Freddie Mac Toll-Free
800-FREDDIE (8:00am to 8:00pm Eastern Time)
Freddie Mac Online Lookup
- Visit https://ww3.freddiemac.com/loanlookup/
- Fill out the simple form with all required and requested information. The form will ask for your First and Last Name, Address, and Last 4 Digits of your Social Security Number.
- If Freddie Mac DOES own your loan: the resulting page will show a match.
- If Freddie Mac DOES NOT own your loan: no match will be returned. Check to see if Fannie Mae owns your loan.
What are some of the benefits of these specialized refinance programs?
Refi Possible™️ or RefiNow™️ provide:
- Reduced interest rates: Eligible borrowers receive a 0.5% interest rate reduction on their new loan.
- Lower monthly payments: With lower rates locked in, clients will see a decrease in their recurring mortgage costs.
- Higher DTI allowances: DTI ratio requirements are expanded to permit DTIs up to 65%.
- Simplified approval process: Streamlined documentation like pay stubs and tax returns may be all that’s needed.
- $500 appraisal credit: Clients receive a flat $500 credit to help cover the costs of an appraisal.
These advantages allow credit-worthy borrowers who previously may have been unable to refinance a renewed opportunity to improve their mortgage terms and save money long-term.
What Do I Need To Qualify for Refi Possible™️ or RefiNow™️?
Homeowners must meet the following eligibility criteria:
- Loan must be owned by Fannie Mae or Freddie Mac
- Income cannot exceed 100% of the area median income
- Minimum 3% home equity required
- Median FICO score of 580 or higher
- No missed mortgage payments in last 6 months
- Existing loan must be at least 12 months old
- Refinancing a 1-unit, owner-occupied primary residence
- New loan cannot be used for cash-out, only rate/term refinancing
- The refinance must result in a savings of at least $50 per month on the borrower’s mortgage payment.
- There must be a reduction of at least 0.50% to the borrower’s interest rate.
If your property is listed in either the Freddie Mac or Fannie Mae database, or you need further assistance, please contact us. We are happy to help!
Ready? Let’s get started.
Get in touch with our team of Freddie Mac and Fannie Mae loan experts to learn more about the loan option that’s best for you.
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Begin your journey towards home ownership today.