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  Jim Schneider December 31, 2010 at 5:40am

  Jeff is right, often ask and you shall receive. Other times they say "we're not allowed to tell you". It's hit or miss, so I'd suggest making a qualified written request part of your initial listing packet. Take a look at Ben Benita's many fine posts on the subject. If you google, "qualified written request" you'll find something, probably originally written for foreclosure defence or forensic loan audits. They try to go fishing and see if the mortgagee screwed up anything to delay the foreclosure. You don't need that, what you need to know is who is the investor, who is the mortgage insurer, contact info for all of those and then the coverage ratio for mortgage insurance.

   

  Then when you make your initial call ask for the fax number and mailing address for the correspondence department (you can often find this on the back of the borrower's mortgage statement). Fax a copy in, then mail a copy via certified mail. They can take up to three months to furnish this information, so you want to do it right away, not when you're trying to negotiate a deal.
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  Jeanne Johnson December 30, 2010 at 6:48am

  Thanks Jeff -

   

  I asked the negotiator - don't know if she'll want to disclose - can you also find out on the original loan docs sometimes?

   

  Thanks

   

  Jeanne

   

   
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  Jeff Payne December 30, 2010 at 6:35am

  Did you ask Wells who the MI company is?  You may need to send them a written request