Poor credit score is preventing me from refinancing my morttage, who can I contact for help in washington dc area.

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Here is an excerpt from the most recent Freddie Mac housing news, which is good news for you:Freddie Mac Cuts Refi Credit Score Requirements for SomePosted on January 20, 2012 in freddie mac, housing news, mortgage news with no commentsrefi credit score requirementsIn an effort to make refinancing available to more homeowners Freddie Mac announced that it would no longer require homeowners to have credit scores of 620 or higher as long as the loan is current, the LTV at 80% or higher, and the refinance is being completed with their existing lender.The new rule became effective for loans settled as of January 5, 2012.In December Fannie Mae eliminated the need for servicers to determine the borrower's ability to repay a refinance. Both servicers have eliminated up front refinancing fees, lifted the limits to refinancing underwater loans, and taken steps to mitigate the representation and warranty risks incurred by the lender on the old loan in an effort to make low interest refinancing accessible to more homeowners.You should contact your current mortgage company and reference this article.Good Luck I

You did not mention why you are trying to refinance. The appropriate answer is dependant upon what you intend to do. If you are looking to refinance to cash out some of your equity, it is going to be much harder than if you are looking for simply lowering your rate. In a rate reduction, I would look to your current lender. They are already on the hook for the debt, and should be willing to assist you. If they are not, and it is possible they won't, I would then contact a local Mortgage Banker/Broker. Mortgage Brokers/Bankers are Trained, Tested and Licensed in all aspects of Mortgage Origination. He/She can also help you understand what you can do to improve your credit score. He/She will have access to loan products of many lenders, not just those of one bank, and can properly guide you. But more importantly, He/She is trained to take a look at the various different options available to you and guide you into the one that makes the best sense for your situation. Don't forget to check out your selected Mortgage Originator at the National Mortgage Licensing System at www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com