The saturation is leading to a race to the bottom, where some originators are willing to work for a half-point or less.

With respect to the 15 year 2%-3% loans, aside from maybe serving a cash out need, it seems best to ride those horses the length of the term.  

You're getting it right from the horse's mouth, yet still want to push this point.

One thing I learned is slow and steady wins the race.

Good luck in your journey . . . remember slow and steady wins the race and the ones making teh money with many of the courses being hawked are the ones selling the courses (we can attest to that as we made that mistake initially ourselves).

Slow and steady wins the race.

Maybe I just got a horse-shoe up my wazoo but so far, batting 1000 after a few years into it.  

I started with a duplex house hack in Oakley over 10 years ago and it was completely off to the races after that. 

Hunter gatherer, farmer, horse, iron age, steam engine, auto, computer, etc. 

Beach and maritime themed decorations if near the ocean, moutainy stuff in the mountains, spurs and horse shoes in the southwest/desert, etc.