u/Life-Amphibian2285

I am buying a house, with a purchase agreement signed as of a few months ago, with M/I homes and it is set to close in December/ January. I have been quoted rates anywhere from 7.125 to 7.5. What have people used to be successful in negotiating rates and incentives by sharing the lowest rate with other lenders? I am not eligible for any incentives from M/I due to signing the purchase agreement so far in advance and not moving into a “quick build home.” Has anyone had any luck obtaining these incentives/ low rates from M/I?

I currently live in an apartment and will be moving into a new build home this winter. With various sales coming up (Labor Day, Black Friday, Christmas sales etc.), what are some items you would buy/ wish you would have bought for your first year in the the new house.

I just completed level 1 of the WSET and am looking to go all the way through to the Diploma. I wanted to use my time wisely, would anyone recommend studying the level three textbooks and content instead of level two? I heard level three is just level two with more details and extra subjects.