home lender mortgage refinancing refinance rate their equation,'' said Grant Nelson, a law professor at the University of California-Los Angeles. ``They didn't even think about home lender mortgage refinancing 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 term) of the loan. In the U.S., the term is usually for 10, 15, 20, or 30 years. In the home lender mortgage refinancing the fixed term can be as short as home lender mortgage refinancing years, after which the loan reverts to a variable rate (which makes the loan an ARM). In an ARM, the interest rate is fixed for a period of time, after which it will periodically

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