Interest Rate Question (fees, loan, lender, FHA)

[FLHomeBuyer]

We're getting ready to close on a new construction house (within the next month). We used the builder's lender, because of all the incentives that they offered. Also, we have an FHA loan, in order to use Ameridream downpayment assistance. Right now, our lender is quoting us an interest rate of 6.375 which includes a 1% discount point (that costs around $2500--which the builder is paying with their incentives). My question is this, isn't that awfully high for an interest rate? I like to check online (through bankrate) to see what the interest rate is at and today it said 6.15....so why is our's so high even WITH a point? I'm beginning to think this lender is being unfair. We still have time to switch to another lender, but we would lose 7% (3% Ameridream and 4% towards closing costs).

Are we being quoted a fair rate?

[f_m]

This is Wells Fargo's rate (6.25%), which I believe is for 1 point, so what you are getting isn't that much different especially since the Wells Fargo rate isn't with incentives. It's always possible to find a slightly better rate, but you have to pay attention to the fees and incentives.

https://www.wellsfargo.com/mortgage/rates

[Bette]

For a 6.125% or 6.250%, it's not worth it to lose your concessions. Stay with what you have.

Also, they have worked on your file.

As of next Monday, delivery fees are increasing in reference to your score.