everybody's home loan re-financing is different e.g. age group, size of family, lengh at job, prospect permanency at job, well there are a lot of questions that only a good experience loan officer will ask and answer for you. so the final word would be,,, be very careful who you deal with. a question for thought is who caused that individual to get into an arm when three or five years hence they will not be able to afford the loan and lose their home and their hard earned money. please deal with a reputable lender and you can call the national association of mortgage brokers for a good broker in good standing in your area.