You are best to communicate to a number of mortgage providers about Florida refi so you get the best quote. There are quite a few internet sites available where you can get a speedy quote to give you a guideline as to what your mortgage payments would be if you do make a decision to do a fl refi. Nonetheless if you are searching for further advice, you would be best to arrange an consultation with an independent mortgage consultant who will show you what options you have available to you and will support you in getting the right verdict for your needs. Also you should let your financial institution know that you are looking at other loan providers as they may offer you a superior offer to keep you as their customer.