It would matter to me....
If my wife went out and got a $100,000 at a low interest rate I would want to know the terms, conditions and covenants of the loan, I'd want to know if she paid a fee....buying down the rate. And naturally I'd want to know if she used the equity in our house as collateral....
I think those are smart questions to ask, but others might not care.
Maybe there are people who'd just say, "We got $100,000 loaned to us by a bank at 3% interest"?!?! FANTASTIC....good job sweetie.
If you want to taste the fruit, you have to go out on a limb. But if you wait for the herd to move out on the limb....the branch tends to snap.