FHA SL is a non-income qualifying refinance where no appraisal is needed. As long as it's an FHA loan it will always have mortgage insurance- it's either 11 years or 30 years. FHA may require you to bring money to the table as one of the guidelines from FHA state that nothing can be added to your loan with the exception of interest + 1-2 months of mortgage insurance so any closing costs and money needed to set up your new escrow account cannot be rolled into your loan. Either you take an interest rate that is higher to get lender credit that will offset these amounts or you come up with the amount.
If you have decent equity and scores are generally above 680 then you want to refinance into a conventional loan to rid yourself of mortgage insurance. Fannie/Freddie doesn't charge you to do a loan whereas FHA charges 1.75% of your total loan amount (may give back a refund if you've had your FHA loan a shorter time- shorter time = larger refund).
Hope this helps
You shouldn't have mortgage insurance then if you've been in the loan for 12 years (unless you refinanced after you purchased). FHA changed their guidelines in 2013. If you put less than 10% down on the purchase the MI would be there for the life of the loan (after 2013). If you call your lender and ask for the MI to be removed based on the value of the home (They can use an AVM for that) they should do that for you (Account also has to be in good standing).