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The first thing you should do is visit makinghomeaffordable.gov and click the "Loan Lookup" tab. There are 2 links. One is Fannie Mae and the other is Freddy Mac.If you already know that one of these 2 own your loan then click that link and see if you are eligible for the Making Home Affordable Refinance by completing the fields they ask you for.If you are eligible then do you currently pay PMI on your loan? If you do you can only contact your current mortgage servicer to see if they offer this program to you. If it is not available to you through your current servicer then I personally do not know of any lenders in the secondary maket who offer this program to people who are paying PMI.If you do not pay PMI then you can go to any lender offering the program and see if you qualify.This program is called: Fannie Mae: DU Refi PlusFreddy Mac: Relief RefinanceEach lender can have qualifying criteria that varies. One may require a 620 credit score, make you provide income, or mandate that your home be appraised. Another may not require any of that or 1 or 2 out of the 3. It is important you understand that this program is offered in various ways and although 1 lender may not grant your the loan another may.
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For Sale: $299,000
For Sale: $579,000
For Sale: $290,000