Bide your time a bit longer if you can, because after things break, the reset will happen and those who held through will have options. I think.
I can't do the math in my head, but if in the course of a year, one extra payment amount can be made straight onto the principle, it makes quite a difference to the end of the loan time.
1000 payment (interest+principle) x 12 + 1000 off principle extra
On a 25 year loan, it is something like 4 years shorter after all the compound interest savings?