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

5 assemblage ARM keyed this period and interest 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 hit a HELOC. Property continuance is still artefact under. What are different options that I should consider? ARM evaluate was 5.75, now it's 3.25, edge is 2.25 person to a 0.12500 misreckoning factor (incl in 3.25), evaluate module be keyed supported on LIBOR reportable on WSJ eff Dec 18 of every year. - Thank you in advance
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