I have a 5 / 1 ARM mortgages with 3 years until changes in interest payments and speed?

adjustable. I also have a HELOC. Overall, the loan amounts are more than what my house is worth now, the market collapsed. It was worth much more than what we owe them a year ago. My question is, what I do with my credit situation. We are not our problem loans with a payment, but I fear that in 3 years if the maturity of the loan will change the value of houses are not what we owe them and we maintain a bank refinancing. It was our intention to refi and get a fixed rate by then. Of course, that was before the market collapsed. Shall I go on the next 3 years and I hope at least my house is worth enough for me to refi or try to do something now, although I’m thinking?

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