<prompt> Human: My wife and I are closing on our first home on June 22nd. Together we make about 73kyr. her credit is 650ish, mine is 670ish. Being a first time buyer Im new and clueless to most of this stuff. Everyone told me to go with this mortgage bank so I did. Now Im looking at 4.75 on the 114,500 home we are buying, a 3,500 down payment, and no first time buyer help that I know of. Am I getting screwed?  <response>: Why would you think you are being screwed? 