I bought my residence in 1998, when rates weren’t so good.
I was able to refi into a 5 3/8% fixed about two years ago.

I also converted a very bad variable rate mortgage (1% over prime, lower limit of 7%) on a property purchased in 1992 to a 2% under prime no-lower limit HELOC.

While the focus of credit bubble press has been on bad credit, one might forget that there were opportunities to make good use of the low rates to lower monthly spending.