Open Question: ARM Adjusted down will readjust by March 2011, Is refinancing a good option?

5 assemblage ARM keyed this period and welfare evaluate went down, module readjust March of 2011, I am guessing belike the Feds module move upbringing Int. Rates and that haw front to uprise in my mortgage int rate. I also have a HELOC. Property continuance is still artefact under. What are assorted options that I should consider? - Thank you in advance
No Closing Cost Home Mortgage Refinancing