Short refinances definitely need a professional's assistance. I'd be happy to discuss this with you. Josh Painter mentioned me in a recent post.
Also, I will be hosting a seminar on loan modificaitons, short refinances, short sales and litigation with an Attorney Partner of mine in April at a venue in Temecula, CA. When we talk I'll send you the information.
If you'd like to speak to a lender, call Jonas Kruckeberg at 951-506-4663
He does short refis.