How can you find out if the servicer of you loan is the actual owner or 3rd party?

When you call the number they give the mini-miranda which I know if you are a 3rd party debt collector this is required. Does this mean that the servicer of the loan is a 3rd party and not the original owner of the loan or owner of the note? I guess the use mini-miranda has me confused. or is this common practice? I am talking about home mortgage.

Register New Account
Reset Password