"We have a 5 year ARM that is up in two years. When we originally bought the house, we planned to move out before the end of our ARM. The value of our house is now about $80,000 less than when we purchased it, so we may have to stay here longer than originally expected unless the market makes a big come back. Should we go ahead and try to refinance? WIll we even be able to refinance if the value of our house is less than our mortgage?"    View Post