 Hey, pal, need some help? I've been looking for a better mortgage, but I'm not getting anywhere. They're searching and searching for refinancing, but even though they are current on their payments, they just can't find a lower rate or better terms because they're underwater on their mortgages. Talk about getting the runaround. But there is one place to look if your mortgage is owned by Fannie Mae or Freddie Mac. Mike, can you get me out of here? Come on, follow me. I've got the answer.