If you are looking to refinance, you should probabily hold off on addiing her to the deed until the refinance is completed. If you just purchased a home, why were you even put in an adjustable mortgage with rates at industry lows. You should contact your lender and ask if they can modify your loan into a fixed rate now. It is worth the rty as it will save you alot of money in new closing costs.
if they will not, then contact a loan officer to refinance you, make sure there are no prepayment penalties or with teh new loan there is any seasoning requirements, let your loan officer know when you purchased and why you want to refinance.
good luck with working things out