Refinancing next year would likely allow you to lock in a potentially lower rate than the 8% you're currently at, especially if the market conditions continue to favor lower rates.Avoid Duplicate Fees: You're right in thinking about avoiding duplicate fees for the refinance and HELOC.

We also know that they tried to get on the property but it's Chicago and the yard is locked at the front and the alley. 

(COVID locked us down for nearly the first 2 years).

Also, in TX at least, only licensed agents are allowed to show properties and some of them even have locks specific to realtors.

I locked in a few loans at 1.88 in 2020 that I feel like I cheated on, it doesn't seem fair for the bank. 

You'll just have them sign the contract so they are locked in with you, and the homeowner doesn't turn around to try and sell the house to someone else while you are working with the bank.

They replaced the locks, shoveled the driveway, took photos, and are listing it today.

He has taunted other political rivals with “lock her up”, but his election saved him from jail time.

-Despite delays, we are locked in on our build price, allowing us to take advantage of significant appreciation over the last 7 months.

Lock, load, fire, and repeat.