Help dilemma mortgage?

I recently bought a house selection of the arm, which is linked to Libor. Since I got a mortgage, LIBOR has increased. My current rate is now 8.25.Kui I refinanced, I want to pay a penalty of 3% (9000). Is it possible that I can change the type of loan is refinanced or paid trahv.Igasugune help would be greatly appreciated …

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