Close to 35 percent of mortgage-holding Americans are unsure of the rate of interest they are paying on their mortgages.

A survey of 1,000 people by Princeton Survey Research Associates International, commissioned by Bankrate.com, came up with that finding along with a couple of others that might surprise:

• Three in five polled said that they would rather own a house than rent, even if mortgage rates increased a full percentage point above where they currently stand.

• One in three polled said they would consider buying a house even if the 30-year fixed rate were to climb to 10 percent or higher.

While these findings indicate that Americans are more confident about positive aspects of homeownership despite concerns raised by the 2008 housing crisis, they also may indicate a false sense of security rooted in individuals not knowing what increases in rates would mean for their finances.