My very first home (1999) was an 8.0% 30-year fixed-rate, and I considered myself lucky at the time. Starved often, but by God I had a house.
Current home was refinanced a few years ago at 4.5%, and I again considered myself lucky. Still do, in light of the current financial roller-coaster on a broken track.
In 99 you were able to buy on the slide from the late70’s/early80’s. But hang on to that 4.5% note you have now with a death grip. You’ll not get that chance again. And if you can, try to save the difference between what you are actually paying and what you could be paying at, say 7%. In many local cases, at least, the difference would be 3/4/500 bucks per month. It would really pad a retirement.