secondarymortgage.com
Do I get paid if my loan is securitized?
No—your monthly mortgage payments go to your servicer, not directly to investors who own the resulting MBS.
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Common Misconceptions
The secondary mortgage market operates behind the scenes, influencing rates and liquidity—but also breeds confusion. Many homeowners and investors alike assume securitization alters their obligations or that all MBS products behave identically. This section clarifies frequent misunderstandings using official sources like HUD, Fannie Mae, and SEC guidance to distinguish operational mechanics from market perceptions.
Does selling my loan change my payment address?
Only if the servicing rights are transferred; originators may keep or sell servicing separately from loan ownership.
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Why do MBS yields move when the Fed changes rates?
Rate changes alter prepayment speed expectations, shifting when investors receive principal and thus impacting yield calculations.
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Are all mortgage-backed securities the same?
No—agency, non-agency, and private-label MBS differ in credit support, disclosures, and risk appetite among investors.
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