Conventional (non-government) loans do not have standard streamline refinance programs. The HARP is the closest thing to a streamline loan available, and not everyone is eligible. For future borrowers, there will be a "high-balance' refinance offered by Fannie Mae and Freddie Mac (for loans closing after October 1, 2017), but there is currently nothing for those with Fannie mae or Freddie mac loans that closed after May 31, 2009. If you are having problems refinancing because of little-to-no equity, your best option may be contacting your loan servicer and seeing if it offers a refinance or modification. If you are having problems making your mortgage payments, your mortgage insurer, if you have one, may assist you with a claim advance -- a payment to bring past-due amounts current.