The following articles summarizes how to determine eligibility for the US government's new mortgage assistance programs:
http://www.bankrate.com/brm/news/mortgages/20090310_housing_plan_questions_a1.asp
http://www.bankrate.com/finance/mortgages/check-your-mortgage-help-eligibility.aspx
http://makinghomeaffordable.gov/refinance_eligibility.html
http://makinghomeaffordable.gov/contact_servicer.html
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