Boat Loan Financing Into New Loan

[BoatForMe]

I bought a used 1999 Sea Ray in 2010 for $350,000. At the time I financed the loan for 15 years at about a 6 percent interest rate. I thought that was a really good rate considering it was my first boat purchase and the boat was an older boat. I found this rate through a local bank.

Now we are sitting at 7 years later and I still owe about 200,000 on the loan but I would like to refinance the loan and see if I can both get a better rate, but also free up some monthly cash flow since the loan is smaller now. I think I could save $1,000 on the new boat loan based on this calculator. I'd like to refinance into another 15 year loan. I have good credit(who can buy a 350,000 boat with bad credit). I haven't shopped around on the value of my boat but I believe the boat is still above water on the loan. I'm guessing the boat is probably valued at about $225K to 250K.

With all this considered, I believe i could get a refinancing deal on the boat. I didn't shop around much for my first loan but I want to shop interest rates this time around. Does anyone have any suggestions or can you share your experiences on what lender you would recommend using?