Your "experts" did not do a very good job last year. They accepted stuff that was $7 on the internet but was widely available in the discount stores you shun for 2/$1 and rejected fine vintage wools because they might have been bought on sale. Some of us do want acrylics and cheap wools that are not available locally. The expert also priced my books low and then chose them herself. I may skip this one.
Refinance for 2.50%/3.03% APR
Loans under 729K usually qualify for US GOV backed refinance programs