I would make sure you are doing follow up's because a lot of your competition won't.

Have you noticed how competitive the real estate market is right now?

Yep, it's basically a dummy company, customer service is a black hole, and when I ask for someone to verify my claim that Stephanie told me I could get out of my contract due to lack of performance, they can't even tell me if she's still in charge. 

The expectations are that any reduction in interest rates of even .25% will accelerate buyer and investor activity and competition. 

For me I can't say I think about my competition.

For example, Fountain Square or the Near Eastside will jump to 30 days on market around Halloween, despite the fact Broad Ripple or Fishers will remain ultra-competitive because of their respective higher demand / low inventory. 

The customer who lacks authority to make the ultimate decision.

.- Off-Market Deals: In competitive markets, off-market deals can get you better pricing.

The area is becoming saturated and the only way to stay competitive in the area is uniqueness.

For a cash-out refi in Cambridge, MA, you may want to look into local lenders, credit unions, or regional banks, as they often have better knowledge of the local market and can offer competitive terms.