The process is pretty much the same. What you NEED to know is what the new rate & terms are. This will allow you to compare the monthly payment you currently have to what the new one will be. You'll need to know the bank's fees and total closing costs so that you can determine just how much the principle loan will increase by. Knowing these things will help you evaluate and decide if refinancing is worth doing. What you want to avoid is banks who will promise low rates and low fees, but deliver the opposite. At the same time, you want to make sure the loan officer you're dealing with is someone who can deliver in a timely manner and will handle your loan responsibly.
If you'd like, I'm always available to talk or meet. Good luck!
Senior Loan Officer
STERLING NATIONAL BANK