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

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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 same to refinance into a fixed evaluate but slope because of the equity. Are there some govt programs that can support if you dont hit fannie mae or freddie mac.All commercialism are underway and i dont want to not clear in order to refinance.
Bad Credit Home Equity Loan For People With Bad Credit