You have two avenues to find this information, either the borrower will tell you the name of the servicing company, or you have to find out by yourself.
It is usually better to work with the full knowledge and assistance of the borrower when trying to buy pre-auction foreclosure properties. State and federal privacy laws prevent the lender from telling you anything at all, which makes it very difficult to negotiate. The borrower can tell you how to contact the servicing company.
Without the borrower’s help, you will almost never be able to identify the servicing company unless it also happens to be the lender that originated the mortgage. Start with that company. Next, check the local real estate records to see if it assigned (sold) the mortgage to another company.
One of the clerks in the real estate records room of your parish or county can help you with the search procedures. Often, you can search real estate records online.
If the mortgage lender is showing up as MERS, the following question will help you find the true party with whom you can negotiate.