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Neck Sharpies: The Ravens 5-1-5 Defense Seth February 3rd, 2021 at 11:50 AM This article has a sponsor: Neck Sharpies is sponsored by HomeSure Lending, and when I say sponsored I mean I get texts from the guy saying “You need to write a Neck Sharpies.” The guy is Matt Demorest, who s been busy lately because like passing down defensive fronts these days if your rate still has a 4 or a 3 at the start of it you re doing it wrong. It usually takes Matt and his people about 5 minutes to know if a refi makes sense, and if it doesn t they ll tell you. You know the guy, and you know from a bunch of other readers that he does a better job and charges way less than the mills. ....