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Refinancing your mortgage to a loan with a fixed rate could save you thousands in the coming years. You can not only reduce your monthly payments, you could also lock in an attractive rate for as long as you live in your home. While one-year Adjustable Rate Mortgages, (ARM), provide enticing beginning rates, experts in the field don't recommend them since you could quickly find you have larger payments when the payments change with an increase in interest rates.