I live in LA. My house is underwater but even though I pay my mortgage regularly it is not Fannie Mae+ I am not eligible to refina

If your mortgage is not owned by Fannie or Freddie, or is not an FHA or VA loan, and you are upside down, you are at the mercy of the bank that services the note and the investor that owns it. You could also see if your area has any housing assistance programs to help people like you with grants to help pay down the principal. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com 888-889-9950