I Want to Refinance My ARM to a Fixed Rate Mortgage, What Are the Steps to Take?

refinance

I want to refinance my ARM to a fixed rate mortgage, what are the steps to take?
I have $67,934 mortgage+ $22,000 home equity loan=$89,934.
I want to pay it off in 15-22 years.
My credit score is 707.
The house is worth only $75k now.
We want to stay in the house for at least 5 more years.
Where do I find a excellent deal?

Take Your Hidden Equity Thru Foreclosure CEPersVid-27

Homeowners who are in danger of losing their homes through judicial foreclosure should not forget about the equity that always exists in a mortgaged property represented by the sum of the mortgage payments that the mortgagor no longer makes while the property is in foreclosure (and for numerous months before and after). This is so even if the property is worth less than the amount owed to the bank. The total amount of these monthly payments to be saved can be considerable, depending on (i) the number of total number of months of non-payment of mortgage; (ii) the regular amount of the monthly mortgage payment not being paid; and (iii) the legal costs to defend the foreclosure action. Attorney Carl Person clarifies how homeowners can extract this remaining, hidden equity while ultimately losing their home in foreclosure, and use this hidden equity to reduce or pay off their outstanding credit card balances and stop payment of 30% credit-card interest. cepersvid-27