How do I determine when to refi? My ARM just reset lower than current rates, but only for 1 year...My current payments are really do-able, and my interest rate is nearly a full percent lower than most of what I see available....My condo value (according to zestimate) is 15% lower than when I purchased, and I'm worried that if rates go up while value is still falling, I may not have enough loan to value ratio to qualify for refinancing later. But, I really don't want to pay fees and higher interest rate just to lock in. Refi calculators don't seem to work for the situation I'm in.November 28 2009 - Los Alamitos00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.