Haha, I totally get that. I've seen clients drive themselves (and their partners) up the wall playing the "what if" game. Honestly, your approach is pretty smart—locking in and then stepping away is like deleting your ex's number after a breakup. Sure, you might wonder occasionally, but it's healthier not to peek. Easier said than done, though...even financial advisors aren't immune to rate-checking temptation. Glad you found a way to keep your sanity intact!
Yep, locking in and stepping away is the healthiest move by far. I've worked with plenty of buyers who obsessively track rates even after closing, and honestly, it just creates unnecessary stress. A client once called me panicking because rates dropped slightly two weeks after he locked in—had to remind him that peace of mind is worth more than a small percentage difference. Bottom line, once you're locked, just enjoy your home and let the market do its thing...it's out of our control anyway.
"peace of mind is worth more than a small percentage difference."
Couldn't agree more. I've seen buyers stress themselves out endlessly over tiny rate fluctuations. Locking in lets you focus on the fun stuff—decorating, settling in, meeting neighbors...the good part of homeownership.
While I get the appeal of locking in early, isn't there also value in keeping your options open a bit longer? I've seen cases where waiting a few weeks made a noticeable difference—not life-changing, sure, but enough to make you pause. I suppose it depends on your comfort with uncertainty and how closely you want to follow the market. Personally, I don't mind a bit of number-crunching if it means potential savings down the road...
I see your point about waiting a bit, but honestly, the stress of constantly checking rates and second-guessing myself wasn't worth the potential savings. I did the math (probably too many times, lol), and even if I'd waited and gotten slightly better terms, the difference would've been minimal over the long haul. For me, locking in early meant peace of mind—can't really put a price on that. But hey, if number-crunching doesn't stress you out, more power to you...
