There are a lot of people across the country who are in adjustable home mortgage loans that will be resetting very soon. If you are among this group of nervous home owners and are not yet sure what you need to do then keep reading because this article will help you understand your options when you have a variable rate loan that is going to reset.When Should I Start Thinking About Refinancing My ARM LoanFirst the best time to start looking at your options is around six months before your rate is set to change. The time period of six months will give you enough time to shop with different lenders and not feel under pressure to just get the loan done! Also if you have any problems with credit or other financial issues this will give you enough time to address them. If you are unsure of this look in your loan paper work for your ARM rider. This document will tell you when the loan will change.Where Should I Go To Refi My Adjustable Mortgage?the next step is to call a few local mortgage companies,banks and credit unions. Inquire about the rates for a fixed rate home loan and also ask them what the closing costs are when you do a loan with them and if the rate includes any points. This is very important because rates and closing costs are quite different from one bank to the next and you will want to get the best deal possible!How Long Will It Take To Close The LoanOnce you have found the lender with the best deal to refinance your adjustable rate home loan let them pull your credit and see how everything looks. If it looks god you can continue on with the process and get your home appraised and close the loan. generally the loan closing process takes about 30 days.