<prompt> Human: Long story short, Im buying a house from my grandparents and theyre giving me a gift of equity on the house and a damn good price. We had to pull many strings to make this happen as the market here is super hot and the inventory is way low. I go to sign preliminary papers and see that the mortgage rate is 5.375. Far higher than the average at 4.75 and far higher than what we discussed it could be with his numbers at first. I asked him what I could do to lower the score and he gives me a paragraph saying that lowering my score .125 would only reduce the monthly payments by 31, and it would save on closing costswhich at this point are minimal. So why not do that? I ask him again what we could do he says they could lower it .125 if I plan on staying there for longer than 5 years.I ask him if selling my truck would help my credit721 and he says they already pulled my credit. I feel like Im being pulled a fast one. Sorry if Im naive and dont know these transactions better. This isnt something Id thought would happen anytime soon for me. This transaction is time sensitive, my grandparents are leaving to travel to Europe and want to be out mid September at the latest.Thank you so much reading  <response>: Go somewhere else for a mortgage. 