If i am a veteran but my mortgage is not fannie mae or freddie mac how can i refinance if i am under

Is your loan currently a VA loan? If so you may be able to do a streamline. If not there aren't any options other than trying to do a loan modification with your current lender.

If you are in VA loan you may be able to refinacne without an appraisal. Please call me to discuss.

You may be able to if you qualify for a refinance under the mortgage holder you are with currently. Question is how do you know you are under value for sure ?Have you used your VA benefits before and how many times? What is your credit score ? Lisa

Yes, a VA streamline refinance is available for you. Please give me a ring so we can go through some options.