The first place to check for a home mortgage refinance is your current lender. Many banks are struggling right now as much, or more as individuals. Your lender may be very willing to work with you to improve your rate, especially if it means you'll stay in your home. That's one less foreclosure or short sale that they have to deal with.
If your current lender is unwilling or unable to help, start checking with local banks. These local banks often give more personal attention to their customers and might be in a better position to work with you to find a way to improve your situation.
Another option, if neither your current lender or a local lender can assist you is to check with some of the other larger banks and mortgage companies. They are relatively easy to find by searching the internet, newspapers and magazines.
Finally, one of the best ways to improve the likelihood of obtaining a home mortgage refinance is to ensure that your personal finances are in the best possible order. Back to basics here. The most effective way to do this is to make sure that your bills are paid on time. This one act makes you a more attractive risk to potential lenders.
Persistence is key. If you face a roadblock along the way, keep going. It will be worth it in the long run.