If you have a non-MERS mortgage, do you know if it was subsequently entered into the MERS system and converted from a traditional mortgage to a securitized mortgage?
Do you understand how securitized mortgages differ from traditional mortgages?
Do you know that Fannie Mae is a REMIC, Real Estate Mortgage Investment Conduit?
Do you know that Fannie Mae’s Servicing Guide and instructions and practices conflicts with state law across the nation?
If you are among the 15% or so of homeowners that aren’t yet tangled up in a securitized mortgage, do you really want to get involved in such a mortgage?
If your loan has already been securitized, do you understand how securities fraud is directly connected to your loan and property Title?
What documents have been filed in your land records? Are they valid documents? Does any of that information in your land records conflict with information from these databases?
https://www.mers-servicerid.org/sis/index.jsp
The first 7 digits of your MIN number, if you have one, will identify the company that obtained your mortgage and entered it into the MERS database.
http://www.mersinc.org/about-us/member-search
Have you checked the Fannie Mae look up tool to see if they own your loan?
https://knowyouroptions.com/loanlookup
I suggest you first determine if you have a traditional mortgage or a securitized mortgage before considering refinancing.
If I had a traditional mortgage, I wouldn’t change a thing. I do have a securitized mortgage and rather than refinance, I sued to clear my property Title. It makes no sense to me to write checks when I cash one. 
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