<prompt> Human: Hello! Mortgage newb here, any advice appreciated.My husband and I are are on a tight closingmove deadline - we feel confident that the loan officer associated with the documents below can deliver on our timeline. However, I am concerned that the interest rate isnt as attractive as we may get if we continue to shop around. Considering we have excellent credit, 20 down payment, and a low debt to income ratio, is there any reason to believe we would not be able to receive a lower rate? Do the fees and costs in the documents otherwise appear in-line with normal expectations? Do you see any opportunities for negotiating fees? Any other info you think Id find helpful?We are cutting it close at this point as were invested in a May 23rd closing date and may be out of time to continue shopping around. Mortgage worksheet info linked below. Thanks yall!UPDATE Thank you everyone for your responses. I shared them with my husband and was able to convince him to continue shopping around. And wouldnt you know it, our first call this morning netted us a more attractive offer. Thanks again for the comments!Page 1Page 2Page 3Page 4  <response>: The rate is not competitive and youre even paying points to get it that low. Either your credit is not over 740 or the lender is not very competitive with their rates you should be able to get lots of bank with rates from 4.5 to 4.625 and lower fees than you were quoted. 