Just to shed a little light original loan 3.5%, HELOC was at 4.5%, then went up to 4.75% with the last rate hike,so will be rolling the 2 together at 2.625% (APR 2.699%), seems like a no brainer but did not know about $500 ETF until after starting process (I know it was disclosed originally, just didn’t really think i would be refi’ing again).Second is with the same lender as the first. I’m hoping I won’t be forced to close the second when I refi, although that was my intention to begin with.