Does Fannie or Freddie Own My House

The Home Affordable Refinance Program (HARP) seems to be making changes for the better.

If you are upside down in your home or have little equity it's possible you can now refinance today.
  • The program now offers:
    • No high Loan To Value (LTV) limitations
    • Lower Fees - No appraisal required
    • Lower Requirements to Qualify
    • Lower warrents and risk exposure to the lender so they get better cooperation

  • How to Qualify
    • Freddie or Fannie must own your loan and had to have it before May 31st, 2009.  Check the links below.
    • No late payments in the last 6 months and only 1 late in the last 12 months
    • Your LTV on the 1st trust deed is OVER 80%
      Information on when the program takes affect and what banks are willing to participate is coming soon.  In addition, there are still some unknowns such as will the 2nd trust deeds be willing to subordinate under the new first and so on. 

      Check below to see if your loan is owned by Fannie or Freddie:

      Does Fannie Mae own my home?

      Does Freddie Mac own my home?


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