I’m in an ARM Loan, and I want to get out?

My wife and I bought our place almost a year ago, and our loan officer glorified ARMs and so on. We decided to go with it, but now our rates are climbing. We’re still able to afford payments, but we could be paying LESS on a 30 year fixed mortgage, instead of this garbage negative amortization loan. What are the steps to do this? I don’t want to just walk into Bank of America and say “I want to refinance with you guys” or hit up Lending Tree or whatever. I guess I’m wondering what good steps I can take to selecting a lender and getting into a loan that’s better for us. Are there any recommended banks, companies, individual lenders, etc? Thanks!

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