When Should You Refinance?Tamara E. HolmesFebruary 1, 2010December 11, 2012 by Tamara E. HolmesFebruary 1, 2010December 11, 2012261 When 32-year-old James W. Johnson of Raleigh, North Carolina, bought his first home five years ago, the best deal he could find was an adjustable...