I am looking to refinance in the near term either when rates drop to the 6.5% range into a conventional 30 year mortgage or as quickly as I am able into a first lien HELOC to be able to park paychecks into the mortgage and save a significant amount on interest or so it seems.

The podcast about the books was only 16 minutes long and there was a list of the books in the notes if you’d prefer to skip the description of each book and go that route.

Long term interest rates should continue to increase.  

However, after accounting for long-term capital gains tax and other expenses, you would be left with $150k which is important to budget and account for.

They might be willing to give different terms especially to a high net worth person that they can likely make money on cross selling.

It's been too long.

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The refund terms are either deceptive or not clearly articulated.  

You could go the house hacking route with buying MFU, etc.It MIGHT be interesting if you are a traveling nurse to turn your house hack into a short term or mid term rental while you are gone.

Just like the asking price, just because the owner suggests one interest rate or term doesn't mean you can't offer something different.