To see if your mortgage is with Fannie Mae: http://www.fanniemae.com/homepath/homeaffordable.jhtml
To see if your mortgage is with Freddie Mac:
Good luck in finding solutions!
You can actually go through any lender to try and refinance your loan, and if you need a good lender, please email me and I'd be happy to forward you his information.
Robert M. van der Goes
Star Real Estate