Just looking back at the mortgage rates from November 2022 and man, things were rough for borrowers back then. The 30-year fixed was sitting at 7.36%, which was brutal compared to where rates started that year around 3.22%. I remember everyone was scrambling to lock in rates before they climbed even higher. The 15-year options were slightly better at 6.44%, but your monthly payments would be way higher obviously. If you had a $100k mortgage at those rates, you're looking at like $690 a month on the 30-year, which adds up to over $148k in total interest alone. Pretty wild. The jumbo mortgage rates in November 2022 were even steeper at 7.37%, so anyone buying premium properties was really feeling the squeeze. There were some ARM options floating around at 5.57% if you wanted to gamble on rates dropping later, but that was risky. Experts back then were all over the place predicting where things would end up by year's end, somewhere between 5% and 7%. Anyway, it's interesting to look back and see how volatile the mortgage market got that year.