It depends on who it is financed through. For example, if it's a VA or FHA loan, those two entities also have streamline refinance programs. I believe that USDA backed loans do as well.
Finally, even if you have a conventional, non governmental entity backed, loan, and you are in a hardship position or 'underwater' on you mortgage, many of the lenders and banks will negotiate with you in some form. This is especially true if they are otherwise looking at a loss should the house slip into foreclosure or if you decide to declare bankruptcy.
I hope this helps.