Welcome to Just Answer! My name isXXXXX very much enjoy what I do and I hope that you will benefit from this information.
If you have a HELOC, then there is a good chance that it is not owned by Freddie/Fannie because they never really backed many of those types of loans.
However, you may want to check to see if either Fannie Mae or Freddie Mac owns your mortgage is an online property lookup tool:
Fannie Mae's lookup tool:
Freddie Mac's lookup tool:
If your property does not show up here, you should still call Fannie Mae or Freddie Mac to see they own your mortgage. Fannie Mae and Freddie Mac do not always have the exact address saved correctly. This is why it's important to call.
Fannie Mae's phone number:
1-800-732-6643 or 1-800-7-FANNIE
Freddie Mac's phone number:
1-800-373-3343 or 1-800-Freddie
If your loan is not Freddie / Fannie than HARP will not work.
If you need more clarification or follow up information, please feel free to write back as there is no extra charge. Otherwise, please click on the ACCEPT button. Even if you have put in your payment information, I receive no credit for my time unless you press "ACCEPT".
Sometimes the law does not give you the outcome that you may have anticipated. Please understand that this is not the attorney's fault. We are assuming that you are paying for an honest and professional opinion.
Please know that there may be a delay between your follow up question and my answers because I may be helping other customers. Rest assured, I will get back to you. In the meantime, you can learn more about me by clicking on my name at the bottom left hand corner of the screen.
This information is provided so you may better discuss legal issues with your attorney. Consult a local attorney for legal advice before acting. You may be able to find an attorney in your area to further assist you at http://www.attorneysaccess.com/ or http://www.martindale.com/.
If you feel that I went an extra step to help, a bonus would be greatly appreciated! Also, please know that you can always request me for a future question by starting your new question with "This question is for Maverick".