We had to push our settlement back a few weeks because of a problem with our down payment being cleared in time. THat's a whole other story... Now we found out with having to push back the closing, we won't be locked into our rate any more. We are going from 5% to 5.25%. Or we can buy the points to stay at closing. He said in 6.75 years we will re-coop that money. The third option is I was originally talking to my cousin-in-law about my mortgage, but when we started to have a few problems, I started to work with my current lender because I needed someone I could talk to face to face (cousin in law was handling everything over the phone because he is in DC adn I am in PA). He told me a while ago he could get me in below 5%. Now I am wondering if I should call him again. But we only have a couple weeks. Would it be stupid to switch lenders? And I also feel like I am taking advantage of my cousin-in-law because every time there is a problem I panic and call him for advice, but then I don't follow through and actually use him for the mortgage. I dunno... At this point I am getting frustrated and I just want to get in the house. What would you do?