looking into refinancing my house, where do i start?

[BanginJimmy]

who should i look into? should i stay with my original loaner and ask if they can lower my monthly payment and lower my interest rate.. or should I just go ahead and find me a new loan for the house?

If your mortgage is owned by Fannie or Freddie look into the HARP program. If not, you can avoid an appraisal with a streamlined refi. Streamlined refi is not eligible for the lowest rates on the market though so it really depends on your exact situation.

Shop around for it. There wont be a negative effect on your credit score for inquiries made within the prior 30 days.

Ontop of that i want cancel my joint account and just make it my own.. where to go go about?

You need the approval of whoever is on the account with you. A joint account means you both have an equal share, so both of you need sign off on it.

Just remember you're going to be adding 3-5k to your home loan for the closing cost

You could do a cash in refi to cover any closing costs, but as a general rule if you shave 1 point off your interest rate you will make out big time over the course of the loan even with the added closing costs.