All all of the short term fixed rate loans are amortized over 30 years to make a reasonable payment. A 15 year fixed rate mortgage is generally amortized over 15 years but the 3/5/7/10 year notes are usually not.
If it were my home and I realized at least a 50% chance of returning I would refi it into a longer term at a fixed rate while I still lived there and then convert it to a rental.
Alternative to that I would keep the current loan and then revisit the refi choice over the next 2 years but that choice will become less appealing because you don’t live in the home anymore and will not get as good a rate on the refi. That is unless rates drop in the future but that seems unlikely.
