Ask your servicer in writing. Under federal Regulation X, a servicer generally must give you the name and contact information of the owner or assignee of your loan within 10 business days of a written request.
The company you pay is usually the servicer, not the owner. The owner, often called the investor, may be Fannie Mae, Freddie Mac, a pool backed by Ginnie Mae, or a private securitization trust, and a trustee's name frequently appears as the plaintiff on a foreclosure complaint. Fannie Mae and Freddie Mac both offer free online loan lookup tools, and federal law requires notice when your loan is sold or its servicing moves to a new company. Knowing the owner matters because the owner sets the menu of workout options your servicer can offer.
Send a written request for information to the servicer's designated address if it has one (check its website or your statement), keep a copy, and use a trackable method; servicers may not charge a fee to answer. Our letter builder can draft the request. While you wait, try the Fannie Mae and Freddie Mac lookups, and check the plaintiff named on any foreclosure complaint. An unfamiliar owner does not change your rights: the 35-day answer window, mediation, reinstatement and adjournments apply no matter who holds the loan.
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Educational information, not legal advice. Your own court documents control your deadlines; a licensed New Jersey attorney can confirm what applies to your case.