Higher interest rates, more HELOCs

There’s been nothing but HELOCs and very few refis in my area. They come over with very low offers ($50-65) and surprisingly over 100 page packages that do not include both copies. I do not understand why these people think that this is okay. Notaries also are facing inflation, skyrocketing rents, and higher gas prices. I’m in Oregon and while I know we are not California or Washington, the same people that inhabit those places live here or have second homes and continually lowball us. Sorry for the bitchfest but I just had to resign a job because I was clearly lied to, and the sad part is that it’s a daily occurrence now.