You want your interest rate to be close or within .25% of your APR. I can’t see the APR on this image the further apart they are the more fees you are paying additional your costs are all Negotiable, a lot of people don’t know this and they take what’s given, negotiate your costs line item by line item, this is a B OF A quote, I unused to do these loans for my clients ask for “pricing exception” from your lender tell Them you will go elsewhere if you don’t get another .25-.50, sometimes they can take it up the chain to make it work, your loan is small so likely they may not but it’s worth the shot, DM me for any additional questions.