Yes, it pays  to shop around as there's lots of 'products' available: 5/10 (year due in ten), 5/15, 15 fixed, 20 fixed and I was blessed with a 30 arm adjusted biannually.

PMI companies all come in with identical pricing for >90% of scenarios, no matter how hard you shop it, barring certain wholesale pricing deals that some institutions have, and lender incompetence (I've won business because someone else was overcharging for PMI due to data entry error... no one thinks to shop by PMI rate, so many do not double check their work).

Offer to take them to lunch or coffee and have them tell you about some of the deals they have done.

I'd love to grab a coffee (or beer) and chat about our local real estate market here in Lexington and hear your thoughts as well as swap ideas about investing in real estate in our region. 

Of course, South Florida is a behemoth of an MSA so its entirely fair to point out that folks in WPB would never be shopping in Homestead, but nevertheless it doesn't come close to balancing out the insane discrepancy. 

I started window shopping in Jackson Ward.

If  you and/or @Mark Faustrum would ever want to grab coffee just let me know. 

Note: there was an abandoned-looking red shopping cart in the neighbor's front lawn and the area is an "up and coming area" that's near a millionaire residential area.

With the summers off, I am looking at a seasonal business for some extra income.There is an ice cream shop that I am looking at.

Negotiate with the bank or shop it around.