home refinancing - help...

i have always heard about this, but to be honest, i don't know what do i want... heheheh :D :P typical me... had this comment about me sometime, 15 years ago :P well, anyway, let's cut the crap... i think i know what i want...

• i want to pay either the same amount or lesser for the monthly commitment (of course, would be better) and 
• if i can get extra cash.. 

if any of you knows which bank can offer this, please send me a message yah.. :) appreciate it! :)