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Should I lock my mortgage rate today Our advice more often than not is to lock your rate. When you apply for a home loan at the lender of your choice that financial institution owns your loan. The support tranche get something safe.
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Nearly half of the nation's mortgages are owned or backed by Fannie Mae or Freddie Mac If you do not know who owns or backs your mortgage you can ask your servicer Your servicer is obligated to provide you to the best of their knowledge with the name address and telephone number of who owns your loan.
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How do I know if my mortgage is government backed?

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To get more money to make more loans the bank may pool some of its mortgages and issue certificates that represent an ownership interest in that pool and sell.
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