Who would have financed my mortgage if it's not fannie mae or freddie mac?

It could be FHA, VA, USDA or a few years ago banks did lend their own money without the loan being backed by any organization. If you would like to discuss your options go ahead and get into touch with me. 888-320-7888 - Ken@MortgagesforAmerica.org - Ken Burrows

Best way to find out is to contact your present mortgage servicer.

It can be FHA, VA, USDA, portfolio lender or it can just be a non-conforming loan held by the bank or lending institution. If you call your current lender they should be able to tell you.