What is "credit enhancement?"When a lender submitted my HARP refi to Freddie Mac, I was told that I was ineligible for the following reason:Volume 1, B24 .2 (a) : "If the Mortgage being refinanced was sold to Freddie Mac with recourse, indemnification, Mortgage pool insurance or another negotiated credit enhancement, it is ineligible for refinancing as a Relief Refinance Mortgage ? Open Access.").Freddie Mac has no explanation for this "credit enhancement." I do not have mortgage insurance on my current loan, have never had mortgage insurance. I was told to contact the original loan servicer, which was Taylor Bean and Whitaker, who filed for bankruptcy and closed their call center in March. How is it that Freddie Mac can deem me ineligible for something they can't even explain? Thanks.April 28 2010 - US00YesReport 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.