Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to refinance an underwater mortgage [title] Check your payment history. [step] You must be current on your mortgage, and not have been delinquent on any payments in the last 12 months. [title] Find out who owns your mortgage.

Ending1: [step] Make sure your mortgage fits into this category- [substeps] Mortgage from your previous mortgage. If you have more than one mortgage, this would be fairly easy. Ending2: [step] You must be able to file for a new mortgage in a recent year. If you have a lien on your existing mortgage, you must either have your old one do so for you or have the insurer provide you a better deal. Ending3: [step] You will not be eligible for harp if your loan is serviced by the federal housing authority (fha), the veteran's administration (va) or the department of agriculture (usda). [substeps] Make sure your mortgage is owned by federal home loan mortgage corporation, also known as freddie mac, or federal national mortgage corporation, called fannie mae. Ending4: [step] Whoever owns your mortgage will use that money to pay off your monthly mortgage as well as what you owe each month. This payment history will tell you how the merchant will calculate your total monthly costs.

Answer format: ending1/ending2/ending3/ending4