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I have been told in the past that my loan was not held by Fannie Mae or Freddie Mae, but when I look at the original application that was used and later falsified was a Fannie Mae Form 1003 loan application. Does that help show that the broker committed fraud and misrepresentations. Also, the individual who signed the loan document was not the individual who worked with us. We later learned this was because the officer who assisted/robbed us was not licensed.
Our loan was a stated income loan, with a piggyback HELOC, an adjustable rate Option ARM, with a three year prepayment penalty. Our credit score at the time was 750+. We provided the loan officer with two years of tax returns and signed a form (1046-T) stating that they could and would verify our income through the IRS..
We have been told that our loan was through Ginnie Mae, but we have been able to contact anyone from Ginnie Mae to verify this information. Countrywide also state that they did not fund our loan, well we have information to indicate otherwise. An y suggestions are welcomed. Thansk for your help.

deborah