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Is your loan-to-value percentage on the first mortgage above or below 80% of current home value? If it's below 80%, that's probably why your lender is asking for an appraisal (HARP is designed for borrowers with 80% to 125% loan-to-value on their 1st mortgage). If it's above 80%, you shouldn't need an appraisal unless the servicer of your 2nd mortgage requires one in order for them to agree to subordinate their position behind the refinance. The 3.90 rate you are seeing is for standard Freddie Mac loans with 60% or under loan-to-value ratios. HARP is a different program entirely.
Steffnie - The credit report is not a great indicator, for example several Pick a Pay loans serviced by Wells say Fannie Mae on credit and they are not Fannie Mae. The Fannie lookup site typically IS a good indicator, if you are getting a match there and not in DU, make sure you have the property address exact when you run it, get the borrowers mortgage statement and use that address exactly. If it still gives no match on the findings, you can call Fannie and try to have them confirm if they do indeed own the loan, but it would be impossible to do a DU Refi + without the findings agreeing.
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