Interest rate hike

Well, by sitting on my ass and not aggressively looking for a house I have cost myself more money. With the interest rates going up this week I have cost myself a yet to be determined amount of money. I figure with my dismal progress rate and coward attitude I should have everything lined up and ready to sign by 2012. Of course, by then, the market will probably have turned, houses will cost more than they are worth, and I will still be renting this stupid flat with the loud, drunk, tramp neighbors partying and befouling the ceiling of my room with her guy of the week. Is it a crime to break into someone's house to oil their squeaky bed?