Thanks.
What I am reading is,that my loan must have already been freddie\fannie in order to HARP in 2010.
I just didn’t know.
That scares me even more, as I just looked all the docs again...no mention that I had a freddie\fannie going into the refi - that I can recognize. (I financed a few times before that, always to a lower rate).
Maybe it was one of those times that it happened.
It was only this last time that I rec’d notice that WF sold the note to freddie.
All loans through WF or any other major lender (really any lender including most community banks)will go to Fannie or Freddie.
Loan is closed in WF’s name; then assigned to Fannie or Freddie. As`long as WF keeps the servicing; you will be ok. That is who you will deal with for any issues.
Your loan officer did a good job it sounds like to use HARP. This is my job! HARP is the first thing I look for if someone wants to refi. It makes things much easier.