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The Lender is denying refinance under HARP seems unfair. Who can help?

Lender says that Fannie Mae did not get my mortgage assigned until after March 1 2009 and this is the reason for denial. We closed in Feb 2009, current on the mortgage, and unable to refi under the program. Seems unfair. Who can help? Conventional refinance is not an option because of declined home value we would have to buy mortgage insurance.

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