If your house is worth less than you owe, refinance may have seemed impossible. However, several government programs out now allow you to refinance a home that’s “under water” if its mortgage is held by Fannie Mae or Freddie Mac. Not sure who holds your mortgage? Check www.fanniemae.com/loanlookup  or www.freddiemac.com/corporate  to see if your home is listed. If it is, and your rate is over 6% or is an adjustable rate, call your ShindelRock client manager  and we’ll connect you to a mortgage specialist who works with our office.