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My current mortgage is terrible. It is a 80 percent fixed 20 percent adjustable 5 year mortgage. I got this mortgage when interest rates were low and lenders were willing to do risky loans like this. I have suffered tremendously under the increasing costs of the rising mortgage payments as interest rates went up. But now interest rates are going down. I am not sure what to do. The increased restrictions and tighter lending practices have made refinancing Mortgages to 30 year fixed mortgages almost impossible. Should I just sit things out and hope that interest rates continue to drop? One thing is for sure I will be more careful next time.

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