The http:// makinghomesafordable.gov is a site and has a good resource section and can get you in touch with consultants that can help you understand your options.
However, there is little hope for a principle curtailed refinace from my experience. The HAMP program will not allow principle curtailments in the modification and has strict limitations on what can be done. On a refinace the existing bank/investor would have to agree to a loss of $200,000 to let the refinance happen. There was a product out there to do this but the banks and investors were not willing to take the loss on a refinance. However, those same banks would take the loss on a short sale.
First Weber Group
Certified Distressed Property Expert