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and congrats on your home 
The learning curve in derivatives, mortgage Traps etc is something else...we've been Really lucky-never had a mortgage--- several decades ago, sold one and outright bought another....
The whole narrative so long ago to go out and Charge, Charge, Charge-and buy, buy buy--Never "felt right" and on the advice of Our elders who barely survived the Great Depression-we "never went there"..I am so grateful, now, that we followed their damned good advice.
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