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When you obtained your loan, it was common that Fannie Mae or Freddie Mac closing instruments would be used for originating loans that would be packaged and sold to private investor, having Freddie Mac on a closing document from that timeframe would not imply they were ever intended to own the loan. On the contrary, I believe your loan size was actually outside of Freddie Mac loan limits at the time of origination.If Freddie Mac website and Nationstar both confirm the loan is not eligible for HARP, then your only options would be for traditional refinance and as mentioned in this thread unfortunately will not work for your profile.
if you have a realtor that you know - ask them for a value opinion ( in order to cross reference the value you are getting from Zillow)Did you specifically ask Nationstar if they could assist with any internal refinance program ? you might ask the same thing to the lender that did the loan initally ?was loan orignally a rental loan? was there intially 20% or more equity in the property at one point ? whats rate on present loan ? are you presently paying mortgage insurance in payment ?
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