How can I get Freddie Mac to explain declining me for HARP?The bank I am refinancing with(an authorized HARP lender) put all of my info into Freddie's system and we came back refused(supposedly due to delinquent payments). The lender does not know why(we have never been delinquent) and I am told I fit the guidelines perfectly. The only thing they can think of is that 3 months ago my servicer changed to M&T bank from BoA. My new lender theorises that since M&T has not been reporting my payments to the credit agencies yet that it may appear to Freddie's software as delinquencies. How can I get a human at Freddie to counter this possible computer qualifying software glitch?March 30 2012 - Grand Rapids Township00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.