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The same thing has happened to me. I am so frustrated by this process. I have applied for HARP 2.0 refi with 3 different lenders. All have denied my HARP Refi due to approved/ineligible from Fannie Mae or some other unstated reason even though they mentioned I was a strong candidate. It was only until the 3rd lender (Wells Fargo), that I found out a credit enhancement was attached to my loan when it was sold to FNMA. When I called my lender (Navy Federal CU) to inquire, they denied this. When I asked them to put this in writing, they hesitated and said they would put in a request for it but did not know if a letter would be provided. I doubt I will ever get anything in writing. I am so angry about this, and all the time I have had to take to apply and go through the loan process. I was told to keep trying with different lender, but this is ridiculous. By the way, I meet all guidelines, have strong credit rating, and no late payments. In essence, those of us who are making consistent payments, on time, with strong credit are being punished for some stupid agreement or whatever between lender and FNMA! I am going into letter writing mode very soon...starting with Navy Federal, FNMA, Federal Housing Finance Agency, and Congressman/Congresswoman!
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