$450K purchase for a primary house (single family), 20% down payment with credit score of 750 up.
30 yrs fix - 3.625%, monthly payment P&I is $1641.78
15 yrs fix - 2.875%, monthly payment P&I is $2464.51
Our total lending fee is $668. Our appraisal fee is $395.

利率我大致明白，就是后面lending fee 668 什么的
没有credit没有rebate。有什么可以negotiate的吗？
谢谢！！！！