Trading your adjustable rate mortgage for a fixed rate mortgage will save you money in the long run, but if you are only planning on staying in your home for a few years, it would be to your benefit to keep an adjustable rate mortgage. Keeping the ARM will save you money because they tend to come with a very low introductory rate. If staying in a home for fifteen to thirty years, a fixed rate will save you lots of money even if the market is doing well. In this sense, it would be wise to switch over to a fixed mortgage home loan. Currently you can find fixed mortgage rates at an all time low, which is why it is the best time to refinance your current home mortgage rate. Do this now and save thousands by calling the mortgage and refinance loan agent at Mike Dunn + Associates.