Wish I would've had these problems when I started in the mid-70's. Anybody else finance with rates over 10%. That was the initial loan on our first, I guess also the only, house. Then I ran out of money on the build so needed to finance for a short term to finish the house at 18%. Sometimes wonder how we ever got it paid off. By the end we were down in the 5% range and seemed like no interest at all.
Of course if you had a little money you could also earn in the 10% range on CD's. The other side is a person could build an average size house, 2000-2500 sq ft. for about $40,000. Times have changed haven't they.