I’ll go one better on HLS. I had clients close a $697,500 loan about a month at 5.125% and before they made a payment he was able to refi them down to 4.75% with no costs or penalties to them. I still dont know how he pulled that off but that is amazing. They will save a couple thousand a year for the life of the loan, didnt extend their term and didnt spend a penny to do it. WTF He’s the man!