When will it be easier to refinance a Fannie Mae loan?

We tried to refinance our mortgage thru the Make Your Home Affordable Plan but were told that since Fannie Mae held the servicing we had to have enough income to qualify plus our income to debt ratio had to be low….but if the servicing was held thru Freddie Mac we would not have meet those requirements. The mortgage company said the Fannie Mae would eventually follow suit….but when?? Does anyone know?

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