Does the picture to the left describe how you feel?  You do not have to feel frustrated.  I am a mortgage broker here in the Lehigh Valley and I understand.   

Since 1996, I have helped many customers with the refinance their Adjustable Rate Mortgage. Weather you rate is rising .5% or 3%, I am here to tell you that there is still hope. As a matter of fact, on numerous occasions, my customers qualified for a much lower rate then what they were currently paying.  Wouldn't you like to see of you can get a lower rate?  

First and foremost, you need to speak to a mortgage professional.  Please be honest and give you professional all the information that is requested, weather it is verbal or written.  As a mortgage broker, I work for you. 

The rumors are true, there are many changes currently going on in this industry.  However, that is no reason to panic. In my opinion, things are going back to normal.  

Have you received you notice that you mortgage is going to adjust?  Do you feel as though it's time to look into a fixed rate mortgage?  Then call a mortgage professional, some who can help you.  If you have questions, do not hesitate to ask them.  I will make my recommendation and offer information based on my professional opinion. 

**Picture courtsey of www.icanhascheezburger.com