I am considering refinancing my home, how do i go about it and what do i need to know?

My husband and I are thinking of refinancing our home, so we can pay off our SUV,and do some fixing up on our home and we want to get our morgage payment down.
What are some things we should know when we do this.Like will our credit have something to do with getting it refinanced?
the length of time we have lived in the home or what?

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