On the ARM is there a restriction on

how often they could bump it or the percentage points they are allowed to increase? What would the costs be for the re-fi, were you going to be able to pay those costs up-front or fold it into the loan? Think when I started on this house it was something like 8.25 or 8.75, did refinance it but never got to the low, low rates that have been available, 6 was about the best I ever had. Paid for now and Jan is right, makes a major difference when you retire if you don’t have that payment.