Our wife’s friend is a lender and helped us get under contract while assuring us that we would be able to get the lowest rate available at 2.75. When the quote came over, it was listed at 2.875. Meanwhile I was able to find four other well reviewed lenders offering 2.625. After informing my wife’s friend, she was able to come back with 2.75. All origination costs are similar.
Is it worth the friction on the friendship to opt for the lower 2.625 rate? Am I a jerk for considering this route? Savings of $13k on the life of the loan.