I can’t find my loan against the Fannie Mae and Freddie Mac databases.  Am I not eligible?

This does NOT mean that your loan is not backed by Fannie Mae or Freddie Mac.  And it also does not mean that you will not have other options.

Fannie Mae and Freddie Mac have imperfect databases, and errors in data can sometimes cause matches to be elusive.  Also, there is talk currently of a new government program that goes further than the HARP program, and addresses loans NOT owned by Fannie Mae and Freddie Mac.

So here is what we advise you to do at this point:

If you believe your current mortgage is owned by Fannie or Freddie but you can’t seem to find it on the two sites, here is what we advise you to do at this point:

  • Call us at 1.888.709.4555 and we will advise you on the your options.  In most cases, your servicer is NOT the owner.  (This basically means that if you pay Wells Fargo, for example, each month, they are your servicer…not necessarily the owner of your loan).
  • Contact us and we will help further determine eligibility.

Click here for a HARP rate quote.

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