<prompt> Human: So my wife and I found the house we liked and put in an offer that got accepted. At that point I already had a pre approval letter from Bank1 with a rate I was not happy about. I checked with Bank2 and they were going to do 4.1. I went to Bank3 the next day. Rates seemed to be better. I got 4 with 500 towards closing. I called Bank4 that day and told them the offer from Bank3 and they locked us in at 3.8 with 1.7 points that they will cover at closing. This is amazing news. Just wanted to share. That all this is negotiable and can save you hundreds per month depending on the loan amount.  <response>: Great! It always pays to check around and negotiate! Every month it is like free cash! Good things happen to people that take the initiative and are not lazy! 