Homeowners seeking mortgage relief can now go to a new Web site launched by the Obama administration to see if they qualify for loan modifications or refinancing programs. MakingHomeAffordable.gov asks visitors four or five questions to determine if they are eligible for any available program. There's a notable caveat: The site is not 100 percent accurate for loan modifications. Troubled homeowners should contact their mortgage providers or housing counselors even if the Web site indicates they are not eligible. The section on refinancing is more accurate: Homeowners must be current on their mortgage and cannot refinance more than 105 percent of the home's value. The mortgage must also be owned by Fannie Mae or Freddie Mac.