The Making Home Affordable site (http://www.makinghomeaffordable.gov/pages/default.aspx) has a tool where you can learn if your loan is tied up with Freddie Mae or Fannie Mac. DH and I thought we were not eligible and our earlier refi fell through (kind of involved and I am kind of upset with my bank, but that's another story.)

Anyway for the heck of it I looked up our loan and it is with Freddie Mac (even though they are not our bank.) So I wanted to pass this on in case anyone else was interested.