Did you want a mortgage with your latte? (Y2/M3/D7)

So I was at Starbucks this morning and I saw a young couple with their little baby and another couple all huddeled over some legal documents. I can't help it, this kind of thing forces me to eavesdrop. Thre's a lot of signing going on when suddenly the young mother in the group says:

"I don't understand why it says 8.7%. You said 8.475% so why is it different?"

And the gentleman (?) who is arranging all the documents for her says:

"Oh, well, it's probably going to go up so I just put in the higher rate."

Whatwhatwhat?! I am in a state of complete and total shock but before I can say anything the young woman responds:

"I am so sick of this! It just keeps going up and up. I just want this to be over."

Her husband says: "Well, are you sure you want to do this?"

And then the gentleman (?) who was arranging the papers says:

"It's only going to be maybe another $10 a month so... you want the house right?"

The young mother nods and they begin signing.

At this point, I needed to be physically restrained. I wanted to scream at this young couple:

"EIGHT POINT SEVEN PERCENT! HE THINKS IT MIGHT GO UP SO HE PUT IN A HIGHER RATE? WHAT ARE YOU PEOPLE DOING?! THIS MAN IS COMMITTING A CRIME! THIS IS NOT THE PLACE TO GET A MORTGAGE! THIS IS NOT THE TIME TO GET A MORTGAGE! THINK OF YOUR BABY!"

In fairness, I do not know the whole story so I did not interfere. But good lord, is there anyway this might end well? So sad.