Sure, rates were a LOT lower just 6 months ago. And we all were a lot younger 20 years ago.
Can't go back.
What if today's rates are the best we'll see for the next 10 years or more?
You might wish you bought this month.
What if rates come back down? Oh yeah, we can refinance to lower rates.
The best time to plant a tree is 10 years ago...