My referral was to Patty, the banker on our team.  I am the mortgage classification seat, cosulting with a past client seeking a cash-out refinance to do some home improvements.  With the rapiod increase in mortgage rates, it didn't make economic sense to refi the mortgage and lose the significantly lower rate of my borrower to pull out $60k.  I provided her w quick #s and reason in comparison to go the route of a home equity line of credit (heloc) making more sense long term.  I do not offer helocs, and quickly referred her to our banker seat member via a 3way email describing Patty's professionalism, service focus, and educated them as well on the heloc product.