iam underwater not Freddie or fannie. do you know any mortgage company to refinance my mortgage. I AMUP TO DATE WITH P AYMENT.

Contact your lender and ask for a loan modification.

FHA, VA, USDA and Freddie / Fannie all have refinance options where an appraisal might not be required.. without knowing what your existing loan is, it's impossible for anyone here to advise you properly.. try contacting a local mortgage broker and let him look at your complete loan scenario.. once he has all the necessary info, he can advise you properly.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com