I'm closing soon on our first house, but I can't help but to feel like we left money on the table by locking an interest rate too soon. When we originally quoted, at the turn of the year, I was told 4.11% with no points for a 30 year fixed. I watched events in the financial world and thought rates would be moving lower. So I eventually locked two weeks later at 3.875%. But now I can't stop watching the markets and I see I could've locked close to 3.5% with the same lender! I can't seem to shake the feeling that I've left a ton of money on the table in the form of interest payments, even though I know I should be happy with an historically good rate.
I should add that we have been conservative throughout this process, so we can easily afford these obligations. I guess I'm just having rate-lock buyer's remorse.
Has this happened to anyone else? Should I have seen it coming, or do I deserve a facepunch for wishing I could perfectly time the mortgage market, like others do with the stock market?