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

5 year ARM adjusted this period and welfare evaluate went down, module conform March of 2011, I am guessing belike the Feds module start upbringing Int. Rates and that haw lead to uprise in my mortgage int rate. I also hit a HELOC. Property continuance is ease artefact under. What are assorted options that I should consider? - Thank you in advance
Texas Home Equity Loans