He who knows nothing about points rate mortgage reduced?

I watched my interest rate down to buy my mortgage with low points. I have a loan officer who is at 5.5% and 1.5% point reduction, while another loan officer gives me 5.5% with a reduction of 0.75%. For me, it seems that the agent is trying to make more money for the costs of additional 0.75% discount. Are there fees that I should look to buy the bottom down (RPA perhaps)? This, too, the two loan officers have the same reference price? For example, if they see a piece of 5.5% 0.50% discount points, “said agent is a fair trade label is up to 1.5% and Free Agent B marking only charged to 0 , 75%? And now costs negotiable?

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