What is a good example or what are some good examples of "in the borrower's best interest" with regards to refinacing a HOEPA loan within 12 months of origination?

Converting from an ARM to a fixed rate, lowering the rate with minimal costs, needed home repairs, medical or other unforeseen personal, family or household needs.

Also keep in mind that restriction only applies if you are refinancing a loan subject to Section 32 into another loan that is also subject to Section 32 to the same borrower.