We finally got accepted on a cute little home. Had to go like 17k over for it but the schools are nice the home is nice and the neighborhood is great. We are pretty much run out of time to check other lenders. Our lender came back at a 3.87 for a 30 year and I was like, whoa, that is not what we talked about. I told him I cannot sign the contract and I need to contact a mortgage broker to do the due diligence. He hummed and hawd about it saying everyone is the same and tried to explain how there may be a lower rate but it will cost me more, because I will lose credits. I said run it at a lower rate then and I will decide. He ran it at a 3.25 and the closing was 1400 more but it saves us over 25k over the life of the loan. I said that is worth it to me. My credit is fair. Not great. my wifes is really good. I am a 670 and she is a 740. They are basing everything off mine. Is there a better rate out there for me? We are putting 15% down.