great to hear, by the way, man its cold here right now, lets hope we get a heat wave soon

Depending on what your plans are after the 5 years fixed are up, this is a simple numbers (math) problem...as it always is.1 - Since you are getting $9400 back at closing, that means you are out of pocket 9400 less with the higher interest than the lower...which puts you 9400 ahead at the start.2 - Over the next 5 years, your cash flow will be about 130 less with the higher interest rate, however...3 - That only totals up to about 7800, which means over that 5 year period the higher interest rate waves you about 1700, but...4 - Since it will take you 5 years to reduce your cash position from a +9400 to a +1700, and if you invest the 9400 ASAP, the compounding effect on that immediate 9400 extra cash will make the minimal look of "only a 1700 savings" immaterial. 

They really make a shock wave that moves most anything.

If you are looking to catch the early part of a wave than you need to go where you do not see much happening because by the time YOU can see it, it is already late in the game.

This has led to some lovely kitchens at a hard-to-beat price and if you piggy-back off of the major appliance sale pushes by the stores you'll see an inevitable wave of open-box items in the following weeks.I'll also add that this has been a good opportunity to build a good relationship with the store managers, who are a pretty good ally to have.

However, that's also a big reason why we've had a huge wave of manufacturers come here over the last 10-20 years.

Will the bank consider a second HELOC on the new home and still carry the first one or should I not make waves and just try with another lender?

Over the course of the next 10-, 20-, 30 years, theres no way these holdings wont appreciate and profit. as Dan pointed out, it just requires riding out these rocky waves at first.

So if you have any disability from the service that will be waved. 

The 30-day notice in most contracts can be waved or forfeited if your property manager is not doing the job that they are supposed to be doing.