How does one find out who the investor on their loan is. In other words if Countrywide is who I pay, it is possible that wells fargo or fannie mae is the investor. How does one find that out and why are the companies reluctant to give out the information? Thank you JOSUE

Trying to find out who the "investor" is depends on the servicer.  Some will tell you on the phone if you ask, where as others will act as if it's the codes to order a nuclear missile launch sequence.  Why?  The answers vary from servicer to servicer.  The main reason, especially now, is because you have everyone scouring through their mortgage documents looking for RESPA and TILA violations in order to rescind their mortgages.  The servicers figure if they stand firm, you'll go away because you probably can't afford a lawyer who could subpoena your file or if you try to do it pro se, you'll probably not do it correctly and the judge will throw out your request. 

The other reason may be because they don't want you contacting the "investor" for various reasons or there could be issues with the transfering affidavits. 

It sometimes is very difficult to know who owns the paper (your loan) because loans get bundled and pooled through wall street while servicing gets moved and sold seperatly too.  If you're looking into renegotiation opportunities and want to know who's your investor won't really matter.  The servicer should have full authority to tell you what your options are, that's what they get paid to do as a servicer.

Happy New Year

You should get a 'hello/goodbye letter' from your loan servicer when a deal has been sold. On there it will [should]state who your new servicer will be.

If you are looking for RESPA/TIL violations like mortgagemessiah said, lenders and brokers only have to hold on to the documents for 60 months - if your loan is older than that, good luck getting those documents.