Refinancing Florida Condo

[Paul I.]

I currently have a condo in FL under I purchased using a 10% down payment JUMBO loan on a second home. The loan has a higher than normal interest rate and a 5/1 Arm. I purchased the property in February and estimate I have 15% equity in the property. I am looking to refinance the property to reduce my interest rate and monthly payments. Anybody know of a bank willing to take on a refinance like this without any or minimal refinancing costs? Thanks...Paul