I am in yr 4 of 10 yr ARM. Do I need to re-finance in order to "lock in" low interest rates?I have a 80/20 with a 10 yr ARM. I have no trouble making payments, but like many my house is worth far less ($100,000) than what I borrowed so I can't refinance. I think interest rates will rise, so if there is any way to "lock in" the low rates available now I want to try to do it. Can it be done? How?October 22 2009 - US00YesReport 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.