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Bankers Association. ``I think you have thousands and thousands of people who refinanced and this didn't even enter into their equation,'' said Grant Nelson, a law professor at the University countrywide home equity line of credit California-Los Angeles. ``They didn't even think about it.'' There are many types of mortgage loans. The two basic types of amortized loans are the fixed rate mortgage (FRM) and adjustable rate mortgage (ARM). In a FRM, the interest rate, and hence monthly payment, remains fixed for the life (or countrywide home equity line of credit of the loan. In the U.S., the term is usually for 10, 15, 20, or 30 years. In countrywide home equity line of credit UK the fixed term can be as short as five years, after which the loan reverts to a variable rate (which makes the loan an ARM). In an ARM, the interest