need to refi now, I'm current on mortgage but way upside down. Where can I get real help. Anyone kno

A short refi is much like a short sale, only the property doesn’t change hands. Not much chance your lender (or any other) will reduce your balance (costing them large amounts of money!) just because you are upside down. It is not the lender’s fault you borrowed the money you did, or that your home decreased in value. There may be a pending option for you in the HARP program. It is designed to accomodate refis for upside down borrowers, and it is in the process of being expanded. Sometime in the next few weeks the new guidelines should be released, watch for news here on MND. After the guidelines are out, you may have the option to refi regardless of how upside down you are!