Is there any mortgage help for loans not backed by freddie or fannie?
Depending on when your current loan was originated and what type of loan you have, you may have the ability to refinance now. FHA offers a "streamline" refinance process and many conventional loans originated prior to June '09 are eligible for HARP 2.0

What kind of credit score do you need to get a harp loan?
Your credit score is not as important as determining whether your current loan qualifies to be refinanced under HARP. I would be happy to discuss your options with you. Thanks,lee.newgent@midamericamortgage.com

possible to get a jumbo with 700 score?
We offer Jumbo loans with a 700 credit score. Contact me and we can discuss specific loan amounts.lee.newgent@midmaericamortgage.com

Is there a way to avoid having a mortgage escrow account
Yes, generally an escrow account is optional. I would be happy to discuss all of your options with you. You can contact me at 303-842-1711 or lee.newgent@midamericamortgage.comThanks,Lee Newgent