Hi Hunter u should seriously look into refinancing! your major problem now is the CF and did the developer issued individual title?
You can easily save more that 3% if you decide to refinance as the current bank giving great rates! Depending on your loan size.
My personally opinion you try appeal from your current bank and see if they willing to give you a better deal. Failing with, you have to consider other banks that can give you a better rates.
Alway try more than one bank as customer always have the right to choose and decide. Letme know if you need further opinion.
Cheers,
Martin Lau
D'Venture FlexiHome