We've been saving for the house for a while now. We were very excited to have the low interest rates as well. We felt luck to be able to get a 3.75% loan but just yesterday we were able to lock in at 3.50%. I was soooo happy that we were able to get that rate. So much better than we even planned and we felt soooo extremely blessed. Our goal was to have our house payments about the same as our rent payments give or take. So lucky are we because with the new interest rate our house payment will be even less than our rent payments ! So blessed and I am not even sure why sometimes.