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The short answer is yes, you can remove someone else and add another borrower, however it will depend on the mortgage product and program you are applying for as to whether it will be allowed or not. The documentation and qualification requirements may also be different depending on the mortgage product.
The easiest transaction for you will probably be a full blown refinance application as opposed to a HARP or a streamline, even if you may otherwise be eligible.
As always, consult with a mortgage professional for your range of options and what will make the most sense for you.
I need to get someone’s name off a mortgage, and I have someone who can be the cosigner because I will not qualify for the refinance alone. Is this something that is allowed?