justbargins, depending on how much equity you have and if you are in a strong financial position approach a couple of banks and see what the best deal you can get from them. Then go back to your bank and and say lets make a deal, I'll stay with you but....
It's worth a try, I haven't refinanced lately so I'm not sure what banks are like lately. But in my experience if you have been a good customer and always paid you debts they like to hold onto you.
