Lower Rate With Citimortgage I Am Wondering If I Can Refinance My Existing Home Loan With CitiMortgage, With My Credit Union? I Will Have?

I am wondering if I can refinance my existing home loan with CitiMortgage, with my credit union? I will have? - lower rate with citimortgage

I had my house for a year in April and want to get a better rate. I am currently at 6.5%. So my question is can I upgrade my existing FHA loan, and go anywhere with him, and I can convert or refinance or refinance with my existing business at a lower rate?