system
A chat on subreddit /r/wallstreetbets
human
The people in US who bought in 2019 (and before as everyone refinanced at least once) are owning at 2-3% fixed for lifetime of loan rates.

You'd need to get like 15% below their price to pay the same per month.
gpt
Or you could be like Canada that doesn't have 25 year fixed mortgages