Thanks for the kind words. See, language is part of the reason that I read more than post here.
I am first time buyer here and am not sure why HLS was so sure that no one would give me such a deal. Another mortgage broker also said the same thing when she called me to update the current deals and heard the unbeatable rate some other people offered to me. I have locked in 30 yr fixed. The appraiser will come this week. I don’t know who the bank is and all the details yet. But, I believe I have locked in that rate.