Sorry about your inability to lock-in at 3.5%! Our daughter who bought the house in Texas is now having other family interested in moving there. Her husband's sister had the exact same thing happen to her mortgage as you---they decided to move to Texas to be near our daughter and contracted for a new house being built. But construction was delayed for a few months and as a result they lost their ability to get a mortgage in the 3's; instead they ended up with 4.85% and they feel fortunate to have locked that in.

What's cool is that more extended family, including us, are seriously considering moving to Texas to be near each other and be in a freer state. I don't want to leave my beloved Pennsylvania but "I ain't blind and I don't like what I think I see" in the Northeast.