How to Find Your Pooling and Servicing Agreement (Psa)

If you are a homeowner who has a mortgage, you may have heard of a pooling and servicing agreement (PSA). This is a legal document that outlines the terms and conditions of your mortgage loan. If you are looking to modify your mortgage or refinance your home loan, you will need to find your PSA. Here are some tips on how to find your PSA.

1. Check Your Mortgage Documents

The first place to look for your PSA is in your mortgage documents. Your PSA should be included in your original loan documents that you received at closing. Look through your mortgage documents, including your loan agreement, promissory note, and deed. The PSA may be a separate document or it may be included as part of your loan agreement.

2. Contact Your Mortgage Servicer

If you can’t find your PSA in your mortgage documents, the next step is to contact your mortgage servicer. Your mortgage servicer is the company that collects your mortgage payments each month. They may be able to provide you with a copy of your PSA upon request. You can find the contact information for your mortgage servicer on your monthly mortgage statement.

3. Search Online

If you are still having trouble finding your PSA, you can search online. There are several websites that offer access to PSA documents, including the Securities and Exchange Commission (SEC) website and Fannie Mae’s Loan Lookup tool. These websites allow you to search for your PSA by entering your loan information, such as your loan number and the name of your mortgage servicer.

4. Hire a Professional

If you are still unable to locate your PSA, you may want to consider hiring a professional to help you. A real estate attorney or a mortgage broker can help you find your PSA and explain the terms and conditions of your mortgage. They can also assist you with any modifications or refinancing of your mortgage.

In conclusion, finding your PSA is an important step in modifying or refinancing your mortgage. Start by checking your mortgage documents and contacting your mortgage servicer. If you are still having trouble, try searching online or hiring a professional. With the right resources and assistance, you can find your PSA and take control of your mortgage.