Who owns the Note?

Loan Officer (entry level) – Loan Officer Salaries[About this section] [More salary/earnings info] [To Top] The median annual wage for loan officers is $63,650. The median wage is the wage at which half the workers in an occupation earned more than that amount and half earned less.

Who owns our Note was a bit irrelevant until 2009 when we tried to get refinancing or modification of our mortgage. By this time Bank of America (BAC) had bought out the corrupt floundering carcass of Countrywide and assumed the servicing of our mortgage.

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That has nothing to do with who owns a mortgage. The proof by a legitimate lender is going to be in the original mortgage recorded on a property and note and any subsequent proofs of assignment. A legitimate lender will be able to prove that they lawfully hold the note and will have to get all documents in the chain of title.

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Ask the representative for the name of the company that owns your mortgage. The representative may tell you that the same company who services your loan owns it as well. This is somewhat rare, however. It’s more likely that the representative will tell you that a different company or entity owns your note.