I need to run the numbers on refi. I'm on 3.25% fixed rate now and owe ~500k still, definitely not close to 50% paid off either. Arm loans scare me only becaus

I need to run the numbers on refi. I'm on 3.25% fixed rate now and owe ~500k still, definitely not close to 50% paid off either. Arm loans scare me only because of seeing what happened during the last housing collapse. Looks like I have a lot of research to do on this but you all have given me some good starting poits to think about thanks!