Zahnrosen I don't know what you did but I assume making 100k a year you should have been over paying each month to raise your equity! With a payment in the 500-600 dollar range you should be living more with in your ability and pay that sucker off in less than 10 years by adding $500 extra each month! If I were a bank I would be asking where all the money is going? <= that is why you arent a bank.... because this has NOTHING to do with the question asked... AND has no bearing whatsoever on getting a mortgage. 23% with your loan is more then easy enough to have extra disposal income if you are not blowing it all. To answer your question I would start with local banks, they are more likely to consider your outside situations.
Where is the easiest place to get a refinance?
pretty low loan amount. borderline for some lenders.
ask current lender to refi?
go to a bank/credit union?
ask friends/relatives/coworkers for a referral to a lender they liked?