Ref is a slur used to describe Hispanics in a derogatory way. Many people use it in Southern Florida referring to the latins (mainly Cubans) that come to South Florida and don't speak English well
The word Ref is a racial slur that has been used historically to degrade and dehumanize hispanics. The word is still used by some people for this purpose, and it is seen as offensive and hurtful to hispanics. If you are unsure about whether or not it is appropriate to use the word Ref, it is best to err on the side of caution and avoid using it in any situation.