A good rate is anything that let's you sleep a night.

I know it's mostly platitude but I don't have the time or the depth of knowledge to time mortgage rates or the market so I mostly ask myself if I can afford it.

Still a good rate imo - loans are a decent hedge against inflation. Plus you have a place to live without worrying about rent shifts (main risk is if you’re forced to sell for some reason at a bad time).

I’m happy we decided to do it.