My oh my how they have changed. I knew that they had gone up, but I didn't really have a reason to look before. Essentially, we have a HELOC that I am looking to convert to a straight HEL. Even with impeccable credit, and a small loan relative to the equity in the house, Rocket Mortgage was pitching me 10.3% on a 15 year, which was weird, because US Bank pitched me 7.69% Not sure why there is such a huge disparity, other than we already have the HELOC with US Bank and maybe there is some kind of savings built in there. Either way, the rates I was being quoted were rather shocking. csb.