how can I negotiate to lower my interest rate for a home loan with the loan officer?

what can I say for him to lower my apr for a loan? this is my first time applying for a loan and do not have experience negotiating to lower my APR any advise?
also he told me he can lower my apr by buying points
any help from anybody out there is appreciated.
he told me 6.5 is the best I can get but I can buy points to lower
I live in the state of texas is this the average APR? people with good credit? also FHA loans he told me I have to have the PIM
for the mortgage for the life of the loan? I was told once you reached 20% percent ownership you can get rid of it but he told me no because it was an FHA loan is this true?

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