While there will always be someone who can get a better deal can you answer the following questions.
1. Are you putting money down?
2. Is the rate fixed?
3. Can you afford it without strecthing or sacrificing?
4. Are you going to stay?
Answer yes to those four questions and it really doesn’t matter since you got it for more than 40% off peak. You will have the lowest mortgage of any of your neighbors, you didn’t pay a ridiculous price and you dont NEED IT TO GO UP IN PRICE. So if it doesn’t, who cares, it’s a freakin house and not an investment. When the payment gets near the rental cost, all you have done is sign a long term lease, and nobody would fault you for that.
I think you could have carved another 50K off after September but if you were already happy with the 430k you saved by waiting this long and can afford it easliy, who gives a crap, enjoy it.
