I have made it through the loss mitigation...send check stubs and tax returns deal already and supposedly mine is with a negotiator..from what I read it doesn't have to be Fannie or Freddie.
If that doesn't work...call NACA
https://www.naca.com/refinance/refinanceTenStep.jsp
NACA is free and they will do all the negotiation for you...be patient, they are very busy, but if you get an auction date, they will expedite your package.