how do i approach my lender to get me a lower interest rate?i am pretty into the process.. approximately 8 days to close is what my lender has told me. i already have the FHA loan approval, contingencies have been up and i put a 5k deposit. i just got a gfe but the interest rate is 3.675% and i think i should get lower. my husbnads credit score is in the 640 and mine is in the 720. we are not getting any lender credits, i am not sure how interest are calculated.... i am in the bay area CA. 94303 zip to be specific. i need to know how do i approach the lender to give me a lower interest... i feel like at this point he feels i am the one to loose if i walk away from the loan because of the interest.... but i am the one to loose?April 02 2013 - East Palo Alto00YesReport 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.