I'd like to recommend that you call David Williams @5/3 513-256-1267 for info you need on doing a refi.
Personally, it's good to have someone local that you can speak with, or better yet, see face to face.
He is located at Mack and Winton near Cinti Financial. Tell him the "weddinghometeam" from Re/Max sent you.

If your loan is owned by fannie mae, fha or freddie mac, you may be eligble for a streamline. To see if the house is owned by fannie mae, visit this website.

http://loanlookup.fanniemae.com/loanlookup/

If its owned by FHA, you should know that because you paid upfront mortgage insurance and monthly mortgage insurance.

Freddie Mac look up website is https://ww3.freddiemac.com/corporate/

Hope that helps.

If its not any of these 3, you can still refiance if you are willing to put some money into the transaction (kinda like a down payment). If not, you might be able to do a loan modification. For this, contact your lender and only your lender. DO NOT pay a 3rd party to assist.

Hope that helps. Good luck!