Can you elaborate a little more?
Many or most lender's will not refinance when the home is considered a "Short Pay". Basically a full Loan Modification is usually requested. Even at that, I had not heard of one legitimate refi, or loan mod, completed to the end. There are always many issues in between & the property winds up either in a full on "Short Sale" or foreclosure process.
Have you asked the lender/lender's to proceed with a "Short Sale"? Many will agree to that process rather than refi, loan mod., or even foreclosure.
Best of luck!