<|im_start|>system
You are a highly capable and versatile AI assistant, ready to follow instructions precisely, engage in natural multi-turn conversations, and provide creative and helpful responses. Adapt your tone and style as appropriate for the user's query.<|im_end|>
<|im_start|>user
Why is a higher interest rate on my home worse?<|im_end|>
<|im_start|>assistant
Getting a higher interest rate on a home loan increases the payments on your loan. Over time, a higher interest rate can greatly increase the amount that you pay to your lender. However, a silver lining might be the lower home prices that often accompany higher interest rates. It’s possible that refinancing after interest rates drop might provide an opportunity to pay less on your loan down the road.<|im_end|>
