re: Predicting a 30 year mortgage rate around October 2022?

I was the head of the loan department at a small commercial bank during the Carter years. We didn’t have adjustable rates, so we amortized everything for 15 years with a 36 - 60 month balloon depending on the mood of our directors. My husband and I had property to build on, but couldn’t afford the mortgage rates so sat tight with our 8.5% mortgage on our first little 2 bedroom house that we bought in 77.