For an old Franklin First mortgage, find the company currently handling the mortgage on your latest mortgage statement or notice about a change in the company handling your payments. The lender that made a mortgage may no longer be the company that takes payments and manages escrow.
Read the source: CFPB · Mortgage lender and servicer: different roles
Start with the newest account record
Locate the latest periodic statement, year-end tax statement and any transfer letter. Match the property address and account reference. If you only have closing documents, they identify the originator but may not identify the company handling the mortgage today.
Verify before paying
Use an independently verified official website or the contact on a known genuine statement. If payment instructions suddenly change, confirm through an established channel. Do not post full loan numbers or Social Security numbers in reviews or public requests.
If the records conflict
Keep the notices, envelope dates and payment confirmations. Ask the named servicer for written clarification and use CFPB resources for unresolved servicing questions. A title professional can help locate recorded assignments or releases when the question concerns the property record.
Continue: Old First Franklin Mortgage? Finding Servicing Records
Frequently asked questions
Is a lender the same as a servicer?
Not necessarily. Origination and ongoing account administration are different functions.
Sources
Read the original documents and company pages behind this guide.
- CFPB · Mortgage lender and servicer: different roles www.consumerfinance.gov · reviewed October 16, 2026
- CFPB · Official complaint process www.consumerfinance.gov · reviewed October 16, 2026
