How Do I Refinance My Mortgage?

refinance

I wanna refinance a 30-year mortgage. I’ve been living in my house for a year and have a prepayment penalty of 2 years. Two points. My loan is 80-20 and my monthly payment is 3600. How can I refinance a loan of 520 to get 20000 on cash and reduce my monthly payment?
Price for the house has increased… I wanna know how does that affect the mortgage.. Is it excellent for the loan?