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The MERS Chameleon – Part 1 Look Up Your Mortgage

The Law Offices of Evan M. Rosen, P.A.

If at any time since the year 2000, you purchased an American home financed with a mortgage, you most likely will have a MERS(Mortgage Electronic Registration Systems) or MOM(MERS as Mortgagee) Mortgage. If you are in South Florida, you can look up mortgages online on the following County Official Records websites:

Palm Beach County

Broward County


Now, look at the mortgage for references to MERS or Mortgage Electronic Registration Systems.  Also, look for an eighteen digit MERS MIN number often on the mid right side of the first page of the mortgage.  Some mortgages were not originally infected with MERS but later were assigned a MERS ID and put into the MERS system.  Those homeowners may see an affidavit that has a title like Mortgagee’s Affidavit of Designating Mortgage Identification Number.  These affidavits are also recorded on properties where the MERS MIN was changed at some point.

To look up additional information, look up the MERS MIN here.  The mortgage’s servicer information is searchable to anyone who inputs the MERS MIN, but to see the investor’s name in the cases the investor has agreed to disclose their identity, the mortgage holder’s social security number is required.  The requirement for providing the social security number is new as of the middle of 2011 after years of foreclosure fraud whistle-blowers exposing the inaccuracies of the MERS database and publishing their findings on Internet blogs.

Print out the information from the MERS MIN lookup and save it for your records with the date of the lookup. The information is often in conflict with foreclosure court documents or even the name of the bank that is trying to foreclose on a family’s home.

There are also look up tools to check if your mortgage is a Fannie (here and FAQ here) or a Freddie (here) mortgage.  These look-up tools require the last four of your social security number and the address of the mortgaged home.

Stay tuned for upcoming post What exactly is MERS?  Does anyone, including MERS, know? 

If you are looking for help with debtforeclosurereal estate or want more information about bankruptcy law, call us at(754)400-5150 or fill out our online form for a FREE CONSULTATION.  Let the lawyers and staff at the Law Offices of Evan M. Rosen serve you!

We are a debt relief agency.  In addition to other legal services, we help clients file for bankruptcy relief under the Bankruptcy Code.

Client Reviews

Mr. Rosen was recommended to us by our friends and we highly recommend him for his excellent service. He represented us in the matter of foreclosure defense. His comprehensive and detailed knowledge of Florida law, federal law, and ongoing relevant cases was key to building a robust and winning...

Jadwiga M.

In a few words, Evan Rosen saved my house. He got a final judgment in my favor. The judge gave the bank many opportunities (continuance of the trial even a mistrial) to solve all the issues that Evan Rosen will bring up to the judge (issues that were wrong with my case). In the end, his arguments...

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I am so grateful first to god and for the blessing of putting attorney Evan Rosen and his team of professional, in our lives. If you are going through a foreclosure and don't know what to do, I can honestly tell you that attorney Evan Rosen is the person to talk (855-55-Rosen) he takes his time to...

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