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There are government programs offered to refinance properties that are “underwater”  There are certain restrictions.  For example, the loan must have been recorded before May 31, 2009 and it must be a fannie or freddie loan.  To identify if it is fannie or freddie; click the below link:

 

http://www.makinghomeaffordable.gov/get-assistance/loan-look-up/Pages/default.aspx

Is my loan Fannie or Freddie?