It’s odd that ALL the loans changed after BOA took over

For that to happen all of them would have to be past whatever ‘tipping point. was in the contracts. Since it’s unlikely that the loans were originated at the same time, I suppose they’re all old loans?
Mine is a 5/1 loan, so I understand rates changing. Currently I’m at a 3% rate. But even if it starts to go up(even past what I could afford, which is what I was facing in late 2008), I don’t have much recourse. The property values have dropped so much in this area that I can’t refinance. The house isn’t even worth what I owe on it.