Okay, let’s tackle this. So Libby has 31 years of experience in mortgage lending, which is a significant amount of time. Her expertise in refinancing, mortgage banking, and investment properties is also valuable. She specializes in Native American 184 Loans, which is a niche area. Location is Tulsa, Oklahoma, which is not a major financial hub, but still has a demand for mortgage services. Considering her experience, skills, and niche expertise, I estimate her hourly rate to be around $250. This is slightly lower than what a mortgage lending expert with similar experience in a major financial hub might charge, but still reflects her value as a seasoned professional.