Sorry to hear you're having issues with your loan servicer.
What type of loan do you have? Is it FHA, VA or conventional?
You may be able to refi if you have the following.
1) Enough equity to cover your closing costs and still meet the loan to value requirements for the loan program.
2) 620+ credit score
3) A clean mortgage history ( no late payments in the last 12-24 months)
4) Low enough debt to income ratio ( 45% or less in most cases, some lenders will allow up to 50 +/-%)
If you can not refinance, your best bet is to contact your State Attorney Generals office and the local banking commission to see if they can help you.