Good Morning Blummy,
As Matt mentioned, there is the Home Affordable Refinance Program (HARP) that is available and may not require appraisal, or condo questionnaire. Your current mortgage must be a Freddie Mac or Fannie Mae mortgage. There are other criteria for the HARP program, but if you qualify, it is the easiest way to get refinanced. Just be prepared to wait aproximately 60 days to get it done, as banks are taking that long or longer to get these refi's done.
Should you have other questions, please email or call me.
Nick Nelson (NMLS#384413)
Mortgage Loan Officer
1st Step Mortgage Group, Inc.
6876 Spring Creek Road, Suite 124
Rockford, IL. 61114
815-289-0880 - Phone
email@example.com - email