Would the fact that our house is in the ~ $850k valuation range influence your advice? 

Many people just ask the rates because that is the probably the only factor they know, so it's important educate them how several factors can also influence the rates.

The problem with this post is that it may influence some unaware readers that mortgage acceleration schemes and their fees have merit.  

Please don't pay any kind of money, especially that amount for some kind of Instagram influencer.

It is NOT like what social media or influencers try to paint, it's hard work. 

The best advice on this topic, in my opinion, comes from 2 books:How to win friends and influence peopleNever eat aloneI am also looking for brokerages to work with or even experienced shadow / intern for to gain experience and additional knowledge.

I was thinking for “promotional purposes “ to have Airbnb influencers stay to do some videos.

And then make your own decision and try to avoid being unduly influenced by others, especially those who have a vested interest that is divergent to yours.2.

This has definitely influenced my partner’s and I decision. 

If the husband defaults on the loan, it could affect the household's financial situation, potentially leading to missed payments on other obligations or a decrease in property value, which might influence her credit indirectly.3.