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If your loan IS owned by Fannie or Freddie, and was delivered to them prior to 5/30/2009, you likely are eligible for a HARP refi. My guess is that you have a non Fan/Fred loan, in which case it isn’t eligible for HARP. There are SUPPOSED to be new FHA options for refinancing HARP ineligible, upside down loans. Best place to start investigating is HUD’s website.
Do you know if the loan is owned by Fannie or Freddie?
Fannie Loan look up Here http://www.fanniemae.com/loanlookup/
Freddie Loan Look up Here https://ww3.freddiemac.com/corporate/
I have an upside adjustable mortgage that I can’t get anyone to refinance. My mortgage payment does not include an impound account therefore I pay my insurance and taxes seperatley. Unfortunately I don’t have a financial hardship so I can’t get anyone to refinance me to a fixed rate. I have another 6 years to adjust. Any suggestions?
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