Open Question: What government programs are available to refinance if your loan is NOT owned by freddie mac or fannie mae?

We are face downbound in our mortgage by about 25,000.We hit an adjustable evaluate which is locked for digit more year.We would like to refinance into a immobile evaluate but cant because of the equity. Are there any govt programs that crapper support if you dont hit fannie mae or freddie mac.All payment are underway and i dont poverty to not clear in order to refinance.
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