can i change lenders after an appraisal because he is giving me a higher interest rate?we have an offer accepted i have been pre approved with this lender who initially offered me a 3.5% rate on a first transaction that felt thru due to a very low appraisal and since we are doing an FHA loan we couldnt go thru it, now we are on a new one appraisal came in alright seller accepted the purchase price and we are good to go to the loan processing part. i have already received disclousres and gfe from the lender with a NOT LOCKED interest rate of 3.625% i am not happy with it since we were offered 3.5 before and about 3 months prior to that we were quote at 3.25 with a different lender, who we didn't stick with because he stop responding for a while. we aren't getting any lender credits to close. i need tips on how to negotiate my interest rate to at least the 3.5 we were offered in the first transaction. i also not sure if i can switch lenders ( i feel reluctant about asking my agent because it happens to be the lenders wife). i have put down a 5k deposit to the escrow co. i am concerned with what if anything March 28 2013 - Menlo Park00YesReport 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.