[skyguy79]

Personally and generally speaking I would wait until after closing when you will actually be Florida residents. I agree with Champion6 that the cost won't make any difference, but you do have other considerations to make. i.e. how much time do you have remaining on your PA registration and license; you're not presumptively a legal resident here yet. Perhaps your best bet before making any final decision on what to do is to talk to a FL insurance agent. They have enough experience in these matters that they 'should' be able to provide you with some solid advice in this matter as well as any legal issues that 'might' be affected by your current residency status!

p.s. after posting this reply I re-read you original post and I think I misunderstood your question. I believe you are talking about when to refinance. As I stated with an insurance agent, I think you would best be served to speak to where you are considering refinancing. You may also not need to refinance. We moved from NY last year and have financing on one of our vehicles. We didn't need to refinance. Just kept the bank account opened we financed under and continued making payments through the automatic payments we already had setup. The FL DMV took our title with the lein showing and took care of the transfer of title from NY to FL. I you don't hold the title in your state, contact the leinholder there to get advice and if then necessary, check with FL for registration requirements for title if the bank will continue holding the title.