Depending on your current servicer, a lender may or may not require any type of appraisal be done.
The end result, you'll be able to refinance into current market rates. You shold make a call sooner than later because rates will increase slightly starting any day now due to the tax cut congress passed that essentially makes mortgages more expensive (by roughly 0.125% in rate) which means your potential savings is slightly less.
Step one is to determine what type of loan you have currently. From that point we are able to discover what programs and options are available to you to fit your needs.
Give me a call and we can discuss what options may be available for you.
W.J. Bradley Mortgage Capital, LLC