In reguards to the new stimulis , your home mortgage must be guaranteed by fanny and/or freddy, how can I research to find out if my home and mortgage were gauranteed by these entities. I have heard that these entities have guaranteed at least 50 % of all mortgages in the USA.

Why can’t I restructure my loan??!!?

I don’t qualify for a loan modification because my loan isn’t backed by Fanny or Freddie. I don’t qualify for refinance because I can’t sell my home for at least what I owe on it. I just want to refinance my loan to get into a 30 year fixed rate loan. I’m not asking them to write off any amount. I just want to restructure my loan. I have nearly perfect credit and perfect payment history. But GMAC says I don’t have sufficient income and says I might consider “short selling” my home….but I have perfect payment history and nearly perfect credit. Wouldn’t they be better off taking a gamble on me??!!

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