Nah, you can always refi if rates go down (after which home values will start going up again), and if rates go up then you can be thankful you have locked in.

Nah, you can always refi if rates go down (after which home values will start going up again), and if rates go up then you can be thankful you have locked in. I never got a house till I had my second kid at age 40. I guess potentially I lost out on some appreciation, but I have never really considered a home an investment; I'd rather rent a cheap place and save more. I still don't like the hassle that comes with owning a place. But to each their own.