A key question if you are looking to refinance under the expanded “Making Home Affordable” guidelines through Fannie and Freddie is: Who owns your loan? Fannie? Freddie?
To that end, Fannie has put a nice little unobtrusive tool on the Web – just fill out the address and check a box certifying you are the owner or have the permission of the owner, and the search is on.
Here’s the url: http://loanlookup.fanniemae.com/loanlookup/
Also, save yourself some time and be sure you have the EXACT address as written on your mortgage statement – Street vs. St., Ave, vs. Avenue, etc etc.