Open Question: What government programs are available to refinance if your loan is NOT owned by freddie mac or fannie mae?

We are upside downbound in our mortgage by about 25,000.We hit an adjustable evaluate which is locked for one more year.We would same to refinance into a immobile evaluate but slope because of the equity. Are there some govt programs that crapper support if you dont hit fannie mae or freddie mac.All commercialism are underway and i dont poverty to not clear in visit to refinance.
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