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Take a breather............rest.............and contemplate.
The ball is in your court.
Those guys are all wolves looking for an easy dinner.
Do not be an easy meal.
5% is B.S., and they all know it.
The Fed has set interest rates at near 0% for many years.
They are frantically giving away taxpayer money left and right to support the USD.
"Prime" is the 2-3% which the banks get for paperwork "service" from that free money directly from the government.
Talk to agents with an extra witness,
Ask them to explain everything again, this time very very slowly,
Get their complete offer in writing so your side can review a 30-year life commitment,
Review carefully,
Consider outside opinion,
Then consider which company may have a solution which will fit your needs for the long term.
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