Should I refinanceCurrently into 7th year of 5/1ARM 4.25% 30 Years. Currently paying 3.25% after 2 down adjustments. Balance is $174K and 8K Helco. Idea is to secure mortgage for another 5/1 ARM below 3% then go with 15 years fix. Credit score is excellent. Also want to know what is the maximum should I expect to pay for new closing with everything?May 18 2011 - Cleveland00YesReport 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.