How Do I Complain About Freddie Mac

[Andy Vasquez]

Freddie Mac created a new (I believe) rule around PMI. I refinanced in November 2021 and now I have ~25% equity in the house. I reached out to discuss removing PMI and they said that they DO NOT LOOK at the current value. The only way to remove the PMI in the first 2 years is direct payments to the principal, or capital expenditures that would increase the value of my house, based on the price at the TIME OF MY REFINANCE. This is ridiculous and I asked around and no one has ever heard about this.

I tried complaining to the CFPB, but they do not regulate Fannie or Freddie. I also attempted to file a FOIA, but found that Freddie and Fannie are not bound by FOIA requests. Any suggestions on what to do, or who to complain to? I spoke to Freddie multiple times, but they are not at all helpful.