Mortgage Refinance for 1st Time Home Buyer.?

My girlfriend and I split and I am trying to get her name off the loan but making the mortgage on my own is going to be really hard. I have a 6.25% fixed for 30 years. We got closing cost help for being first time home buyers, but the stipulation was you can not sell or refinance for the 1st 5 years I believe. Someone was telling me that has now changed to help with the housing crisis. Could someone point me in the right direction as to whether I can refinance at about 2 1/2 into the mortgage. Selling is not an option FYI…

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