Time To Refinance

So we've been talking about refinancing our mortgage since rates are currently so low. That coupled with the fact we currently have one of those subprime interest only loans (you know, the ones that got the whole country into this crazy financial mess in the first place) and it just seems like it's a good idea to get that out of the way. We still have three years before our ARM kicks in, but with rates as low as they are right now there might not be a better time in the next three years. So we're currently looking at going away from the whole ARM thing and getting a fixed long term loan. Now we just have to hope the bank feels like lending money at this point.