My mortgage is owned by Freddi Mac (settlement date 5/12/2009.

Sounds like you are all good. Please contact a local mortgage broker first. If you can't find one that you feel comfortable with, please let me know as I have several fellow loan officers that I trust and will assist you.

You just made the cut. Work with a local Mortgage Banker/Broker. DON'T use one of the big banks, DON'T use one of the big national Mortgage factories, and DON'T use the people you are currently making payments to. Your local Mortgage Banker/Broker has access to all the lending sources, allowing for an easier fit into the lender or program that makes the most sense. Whoever you choose, make sure you check them out at the National Mortgage Licensing System at www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ Licensed in California and Arizona ~ www.LoansA2z.com ~ 888-889-9950

If the date the loan was sold to Freddie Mac was prior to June 1, 2009, then it's possible your loan will qualify for a HARP refinance... I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

If it was sold to Freddie Mac by June 1st, 2009 then you will qualify for the government sponsored HARP program. Rates for that program are currently as low as the mid 3% range.We are delegated with both Fannie Mae and Freddie Mac so we have unlimited Loan To Value for HARP loans. Feel free to contact me at 949.201.4225.

if your closing was 5/12/2009 its possible that the loan was sold to freddie after 5/31/2009 .....and if this is the case - the loan wont be eligible for the HARP program .....have a lender run it thru their automated underwriting system to see what this tells you

Although your settlement/closing date is 5/12/2009, the date that your loan was sold to Freddie Mac is the actual date that is used to determine if you meet the 5/31/2009 cut-off date to be eligible for the HARP refinance. You can find out for free, and with NO obligation by having a lender run the automated findings on Freddie Mac's website for you. My office is in Eugene, and our underwriting, processing, document preparation, and quality control take place locally in my building. We have excellent interest rate pricing, and we have full control of your loan from start to finish. I will show you very clear loan options, so YOU can make an informed decision. Please take make the effort to compare your options by contacting me: Please call Randy Free NMLS#283930 OPES Advisors (direct) 541-984-5428 rfree@opesadvisors.com

Do you have a question? As long as your credit and income are acceptable, mortgage payments have been on time, etc., you should be able to refinance and get a much better rate.

You should be good to go. Contact you Freddie Mac Lender now.

Go to this website and look up your home https://ww3.freddiemac.com/corporateIt will tell you if Freddie purchased the loan before 6/1/2009. If so, then contact a LOCAL lender to help you with it.