Open Question: How high can my mortgage interest get?

[Administrator]

I have a mortgage that in 3 months it will be a changeable rate, but my mortgage rate is already at 9.9 percent. My question is can it get higher if so how much higher? and on what basis do they raise or lower them. I would love to get my home refinanced but I don't have good credit and I have not payed any down on the principal of my loan so I wouldn't know where to start. any advice would be very helpful.Nice comments but the last thing I want to do is leave this home.
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