Freddie Mac reported an average 30yr FRM of 4.57% with .8 points. What does this mean?I am citing the 9/12/2013 data from http://www.freddiemac.com/pmms/ .My wife and I have great credit scores (both above 780), we are putting down 25% on our house and yet our mortgage broker is giving us a rate of 4.625. I questioned why it was above the average of 4.57% listed on Freddie Mac's website and he cited the fact that they also list an average of .8 points on loans.I am not very familiar with this but I still feel with our credit we should be below or at that average with 0 points. We are currently pursuing a short sale and were just told the short sale must be closed in 2 weeks or the lender is transferring the loan and we would have to restart this incredibly long process. I worry he is trying to take advantage of us being in a tight spot and not being able to shop around. Am I right to be concerned? Any advice would be much appreciatedSeptember 13 2013 - Noble Square0YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.