 If you've ever shopped the internet to refinance your home, you'll see some really low rates offered. That's called clickbait. Hi, this is Jill from Integrity Title. They bait you to click onto their site with a low rate offer. And then after you spend an hour filling out all the information, they end up actually giving you a much higher rate. Bottom line, the best rates and best advice you can get is face-to-face. Use a local real estate agent, local lender, and local title company. Like Integrity Title, your local title closing geeks.