I have to threadjack since we are talking rates and give a quick plug to HLS. He not only helped me get a great rate back in December on our home purchase but also helped me refi in the past few weeks, lowering my 30 yr rate and removing PMI (We put down just short of 20% on a short sale and luckily our house appraised 9% higher to bring our equity above 20%). He is well informed, honest and meticulous with his work. Thanks again HLS.