Not Fannie or Freddie. How do I refinance?My current mortgage isn't fannie or freddie. Is there any way that I can refinance? I have been diligent and have never missed a mortgage payment. But with the current economy I am upside down on my house. Refinancing would really help my budget and cut out some interest on my house. HELP!! I was once told by a banker that I would have to stop paying my mortgage and after so many months (six I think) I could "request" assistance. I'm not trying to beat the system here and my credit is excellent! Why would I want to go that route?December 08 2012 - US0YesReport 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.