I just heard back from the bank and her response to my inquiry I emailed and said"I'm not finding any information that the adverse market refinance fee is still active, I've only found information to the contrary.Linked article from The Federal Housing Finance Agency mentioning the fee has been done away with as of August 1, 2021"Her response"You are correct, no hit for Cash out on primary residence, that has gone away but we do have adjusters for Loan to value and cash out loan to value along with credit score and 2-4 unit"This is problematic to me on so many levels, why was she willing to increase my interest rate based on her ignorance, who is watching and making sure these lenders are doing the right thing?

For instance, yesterday, weak economic data in Europe put downward pressure on rates globally and perceived dovish comments from Federal Reserve speakers allowed bonds to hold the gains.

Also, there is IRS publication 527 (p527) Residential Rental Property.Otherwise in short, your rent less your expenses (generally mortgage interest, insurance, taxes, repairs) and less depreciation is your profit/loss for federal purposes. 

To help, I used Excel to forecast the future value (FV) of both options: 1) leave existing traditional rollover IRA in-place or 2) liquidate the IRA, paying the 10% penalty and 33% marginal Federal tax hit.I'm 15-16 years away from retirement and computed the FV of both options over that timeframe.

Your other assets are mostly in creditor protected entities, such as retirement accounts, personal residential homestead; and what’s not is heavily mortgaged, or exempt by Federal bankruptcy law.

Just FYI  any lender registered in NV  MUST have a NMLS number Federal number PLUS a state license..

You can have a 20+ page state and federal return and additional returns for multiple states.I say this as someone that likes accounting. 

Because a Form D must be filed with the SEC within fifteen (15) days of a “sale” of a federally exempt security.

Through a contact at the federal reserve it went to someone at Commerce, then state and then of all place Langley where a certain spy agency works. 

If the mortgage rates are higher, that means the US debt payments will be higher because its tied to the federal fund rate.