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how to obtain deed of trust & mortgage identification number?

Started by WendyM5 • 7 replies • 420 views

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WendyM5 (North Carolina)
Posts: 1,522
Posted:
I am researching foreclosure and found an old post that stated if one had a copy of the deed of trust and PUD or condo rider they could get the mortgage identification number.
They could use that number to look up the current lender and see if they would pay hoa fees?

My question is how do I obtain deed of trust & mortgage identification number? Is this something my city government would have?

thanks!

vis ta vie
SheliaH (Indiana)
Posts: 6,964
Posted:
We leave that type of research to the attorney who will file the foreclosure for us- why aren't you talking to yours about this? This isn't a do it yourself project.

But since you're asking, this may be something you can ask your own bank about- you don't have to give the specific address you’re looking at. Or check with your county recorder- it might not have the number, but may have the bank ir mortgage company that pays the property taxes and hou can find out that way. That said, do yourself, a favor and let your attorney do this research - that's why they invented.

If you talk to the bank, it may be helpful to talk to them about foreclosures and get some general information on how banks look at this. They can't speak for all of them, but may give you some ideas as to what the board should consider if it's thinking about this option.

If it is not right do not do it; if it is not true do not say it. Marcus Aurelius
MarkS42 (North Carolina)
Posts: 70
Posted:
You would go to the county web site and look for the Register of deeds.

For Wake County in North Carolina it is
http://rodcrpi.wakegov.com/booksweb/genextsearch.aspx

Enter the Name For the Grantor and look for Document Types like "D-T". If the mortgage was paid off or refinanced you will also have Satisfaction documents so it would take some digging to find the last mortgage.
DouglasK1 (Florida)
Posts: 2,046
Posted:
I am not sure if all states are the same, but in FL mortgages are recorded with the county and in most counties are searchable online just like any other public records. This would not give you the mortgage number, but would give the lender so you could go from there.
Escaped former treasurer and director of a self managed association.
MelissaP1 (Alabama)
Posts: 13,836
Posted:
Two thing assured in life. Death and taxes. If you have the lot # may be able to. Look it up at the tax office. Which is not always timely but give an idea.

Not sure why you need this information. The lawyer handling the foreclosure should have addressed this.
Former HOA President
MaxB4
Posts: 3,513
Posted:
Quote:
Posted By WendyM5 on 09/15/2022 9:29 AM
I am researching foreclosure and found an old post that stated if one had a copy of the deed of trust and PUD or condo rider they could get the mortgage identification number.
They could use that number to look up the current lender and see if they would pay hoa fees?

My question is how do I obtain deed of trust & mortgage identification number? Is this something my city government would have?

thanks!



On every deed of trust or security instrument that is recorded, in the top right hand corner is a MIN #. There is a service that you can put that number into and it will tell you who services that loan. It will update every time the loan gets sold to another investor.
WendyM5 (North Carolina)
Posts: 1,522
Posted:
Quote:
Posted By MaxB4 on 09/15/2022 12:13 PM
Posted By WendyM5 on 09/15/2022 9:29 AM
I am researching foreclosure and found an old post that stated if one had a copy of the deed of trust and PUD or condo rider they could get the mortgage identification number.
They could use that number to look up the current lender and see if they would pay hoa fees?

My question is how do I obtain deed of trust & mortgage identification number? Is this something my city government would have?

thanks!



On every deed of trust or security instrument that is recorded, in the top right hand corner is a MIN #. There is a service that you can put that number into and it will tell you who services that loan. It will update every time the loan gets sold to another investor.

I went to county website and found original deed of trust recorded about 10 years ago and a modified loan agreement and current loan dept phone and address. What wording should I be looking at on the deed of trust to see if the mortgage company might refinance to add the late fees? thanks in adavance. I am having a hard time getting a real person to speak to over the phone. I might have to write a letter do you have any sample letters I could repurpose?
vis ta vie
MaxB4
Posts: 3,513
Posted:
It's called either a Condo or PUD Rider. There would be box checked on page 2 of the Deed of Trust.

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