Calling a bank or credit union to see what their terms and rates are might be the first best step. It will generally depend on whether you are simply looking to lower your payment i.e. a rate and term refinance or..a cash out refinance to come away with some cash.. The amount of the loan will usually dictate the length of the loan. Example - $20,000 loan for 60 months or less; you would rarely see it for longer. Lastly, they will consider the loan to value usually from 70% on down. Once you have a feel, you might look online. Good luck.