RIVERTON, UT — Kyle and Amber Dietrich, both 33, are celebrating what they describe as “basically a miracle” after locking in a 30-year fixed mortgage rate of 5.98%, a number their parents have described as “criminal” and their financial advisor called “the best you’re going to get, probably ever.”

The couple, who have been saving for a down payment since 2019, framed the rate lock confirmation letter and hung it next to their wedding photo above the living room mantel. “Some people frame their diplomas,” said Kyle. “We frame proof that a bank was willing to bet on us.”

To celebrate, the Dietrichs planned a housewarming party and invited thirty-two friends and family members. Three attended. The rest cited gas prices, the forty-five-minute drive, and what one friend described as “a general inability to justify spending money on anything optional right now.”

“We made seven-layer dip for thirty people and ate it on the floor of our unfurnished living room. It was the happiest night of our lives.”

Kyle’s father, Don Dietrich, 61, who purchased his first home in 1991 at a 7.5% rate and “thought that was highway robbery,” told reporters he was proud of his son but “genuinely cannot understand why everyone is acting like 6% is a gift from God.” He then noted that his mortgage payment in 1991 was $640 a month.

The Dietrichs say they plan to start furnishing the house “room by room, over the next several years, as the Lord provides and the economy permits.”

At press time, Amber had listed a barely used KitchenAid mixer on Facebook Marketplace to cover their first HOA payment.