Refinance loan i need an advice please?

i have an pmi of 218 a month of fha interest rate 3.75 the other bank is offer me 4.18 and no fha insurance of 218 a month that ibeen paying i my current loan will i benefits with this new loan on the long run my total owe now is 2,12000 new loan total with closing will be 215000 give your advice about this
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