a banking we will go

Tommorow I have an appointment to see about refinancing the house for less than what I pay now. I have a few options. I can refi for 30 years or 15 years...I need to do a lot of homework...I'm also thinking about borrowing enough money so that I can fix the bathroom...that would mean that I may be able to get a better interest rate but I'm not sure that I want to borrow too much...I mean I will have to pay it back...but then again I don't want to fall through the floor...plus I get the added bonus of paying for the Lawyer and he isn't cheep.