Is streamline refinance a good choice?

HELLO TO EVERYONE OUTHERE I HAVE A QUESTION ABOUT A STREAMLINE REFINANCE, I OWED 268,000 ON MY CURRENT MORTGAGE I BEEN PAYING IT SINCE AUGUST 2008 NOW I LOST MY JOB AND MY INCOME IS LESS THAN WHAT I HAD IN AUGUST 2008 AND I WANT TO DO A STREAMLINE REFINANCE AND THE LOAN OFFICER TOLD ME IS THAT ALL THE MONEY I NEED IS MY MORTGAGE MONTHLY PAYMENT TO DO MY REFINANCE WITH NO CREDIT CHECK, NO APPRAISAL,NO INCOME CHECK AND MY QUESTION IS, IT'S THIS A GOOD CHOICE, IF I DON'T PUT ANY MONEY FOR CLOSING COST HOW ARE THEY ABLE TO PAY THE ATTORNEY, AND THE PLACE WHERE THE CLOSING TAKES PLACE? WHERE DOES ALL THAT MONEY COMES FROM? DOES THIS WORK? IS THERE A CATH TO IT? WELL I HOPE I CAN GET SOME ANSWERS FROM THE GOOD PEOPLE AT YAHOO ANSWERS THANK YOU AND HAVE A GREAT DAY.