Mortgage Broker Company - Are you going to refinance?

You may want to consider refinancing if you have an ARM, you might want to consider a fixed rate.  This way you will have no unpleasant surprises if interest rates got up again.

You will have to pay closing costs again.  So refinancing would not make any since unless you plan to live in the house for quite some time.  Meaning 7 years or more.

You will need to compare lenders and get quotes again.  A mortgage broker can make this easier for you.  So watch out and see if you can get a good fixed rate mortgage.

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