Stop in for a cup of coffee

Ouch. We’ve gotten screwed on the same thing. But I saw this coming and built it into the budget. My plan is though when rates drop, being prepared refi but I’m also in the process of being debt free minus the wife’s new car by March. So by that token, it’s not gonna matter as much. Plus I fully expect a big recession in the looming months, that will likely change the interests rates backwards by 2024
We were lucky and locked in last year at 2.9% when we bought this house...like using other people's money.
We thought of just paying for the house since we got such a good deal and were sold the house that we owned and moved from.
This house lady had it appraised two years earlier before housing took off and that was the price she wanted. Ok $150G below market now we'll take it.
It needed a lot of work and we've put a lot of $$ into it but it's all for us...we don't plan on ever moving.
My financial buddy convinced us to take a mortgage to do the upgrades we wanted and get the interest tax write off which was nice!!