Fannie Mae? Freddie Mac? Is my loan held privately or owned by my bank in their portfolio loan program?
What about FHA?
Most of the mortgage accounts funded prior to 2009 are going to be either FHA, Fannie Mae, or Freddie Mac backed / owned. Servicing lenders manage your account and may have an ownership interest in your loan but the backing and guidelines that your loan was originally underwritten and funded with are what counts when looking a the HARP or other refinance relief or streamlined rate reduction refinance loans.
Most people know if they have a FHA loan or not. Most FHA lenders and servicing companies have the loan type printed on the statements that are sent to you. Typically the statement will say FHA or Conv. Conventional is anything not government backed, almost all conventional mortgage loan are either Fannie Mae or Freddie Mac backed.
Use these two loan look up tools to find out if your account is backed by either Fannie or Freddie.