There may be some options... Depending on your credit status, income and employment history refinancing is a good idea. Depending on whether the home rebuild is complete and how much you currently owe on your home are home of the deciding factors. Fannie Mae and Freddie Mac (conventional loan) lenders which I am familiar with won't allow you to refinance if the home has unfinished work. If this is the case, an FHA 203(k) loan may in fact be the right solution to go. If you have only one loan on your home at this time (no secondary financing such as a Home Equity Line of Credit or Loan), you may think about going to your local bank to get one.
My contact info is in my Trulia profile, and I am happy to speak with you directly (I am in Newton!).