I would definitely recommend talking directly with your current lender.
For sure the easiest solution after that would be a FHA streamline refinance. In order to qualify for this, your loan must be FHA insured, min credit score of 640, and you must be current on your mortgage payments (only 1 - 30 day late payment in the past 12 months). Streamline would allow us to use your original appraised value of your home when you purchased it.
Basically they see it that if you are current on your payments, it can't hurt to lower them by getting you a lower interest rate.
Best of luck!
Don't hesitate to contact me if you have questions.