I’m getting 2.625% (APR 2.699%) on a 15 year sub 417K money out loan. Going to use the money to pay off HELOC (used to put in the solar) which is currently at 4.75%. Appraisal is $495 with fees of around $1000. Not going to say who just yet as I have read some bad reviews online after starting the process, so far it is going well, have turned in documentation and am meeting with appraiser this afternoon. PS- Did sell my silver bullion yesterday when spot was above $20, still holding onto the gold though.