if you have 20% now, you had 16% before and 3% mortgage rates. Now you have 20% and 5% mortgage rates or an ARM. ARM might work to lower monthly if you think Fe

if you have 20% now, you had 16% before and 3% mortgage rates. Now you have 20% and 5% mortgage rates or an ARM. ARM might work to lower monthly if you think Fed will chicken out and you are happy to pay refi cost.