Thanks for that answer. Our issue is that we were pre-approved at a rate of 3.65 just two weeks ago. Now we are in contract on a home that is half a duet, and our mortgage provider says our rate is 4.25. He says the increase is due to the fact that the home is half a duet, as opposed to being a free-standing single family home. I'm wondering if interest rates are typically higher for halves-of-duets than for SFHs.