When you decide on a mortgage rate, try not to over think the rate and always aware of the bigger picture. Try looking at it this way, for example, you want to purchase an investment stock. This stock is over all good value and has a lot of potential for even further growth. It is currently trading at $10.00. Potentially, it could go as high as $18.00 over the next 12 months. If you planned on purchasing this stock, you would first do your due diligence on the company you are investing in. This would entail looking at the company financial statements, looking at dividends if there are any, the management, and overall potential growth. Once you were ready, you would purchase the stock even at $10.50 or $11.50 because based on your research, you know this particular stock has potential. At the end of the day you are still obtaining a profit.