Unless your current lender would be willing to modify your mortgage, or unless you can bring money to closing, then you are probably stuck right now. Currently the HARP refinance program permits certain loans owned by Fannie and Freddie to refinance regardless of value. FHA loans offer the streamline refinance. But nothing out there right now for those loans that don't meet these criteria
There is talk of HARP version 3.0 that may open up further possibilities, but so far nothing is approved or set in stone. Google HARP 3.0 for more details about the proposed changes, then keep your ears open for the actual rollout of this.
Sorry there's not more help right now. Best of luck!