I am about to refi on a HML–my guy is saying 5/1 ARM would be good way to go—is it worth doing the intersest only? I am thinking of getting some cash out. So this the scenario—7.5 interest only----99K. If i want cash —he says it will be around 8%-- for the 1st and—then closer to 12% for 24K HELOC. Any thoughts?