"offer you a 30 year mortgage at just 1.5%"
I got one:
No payments for 12 months! Low rates! (trash bin)
first we got a HEQ when it was low....
as it started creeping up, we took up one CC offer for no or little interest for so many months, and as that was nearing its end, we got another ( from Washington Mutual...where our original 7% mortgage was!..LOL) CC with no interest for 1 yr...
that year is up this December and by then we'll either just pay the dang thing off...about $9000.00 or put it over to our HEQ until we do pay if off.....which will be quickly....