The title says it all. I did a little research and found out that my home mortgage is held by MERS and is only being serviced by Wells Fargo. Now to see if they can produce a valid title. I'm not underwater or in foreclosure but I want to know who I actually owe and when I pay off my mortgage will I get a clear title. You can use the online service to request your title at the link above. Rewrite their form letter as it's a little theatrical.