Have adjustable rate mortgage. Want to lock in a rate but unemployed…?

We currently have an adj rate mortgage. We would like to lock in a rate since rates are down but we are unemployed. We have money in the bank and stock market investments. What are the chances of locking in a rate in this situation? One of us receives a pension and soc sec monthly (about1800.) What kind of rate is possible in this situation? (Have excellent credit) Balance on mortgage loan 156,000. (Original loan 160,000 / 4 yrs ago) 250,000 down when purchased.

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