Questions on my mortgage application?

I just applied for a mortgage and just have two basic questions:

1. If I think the interest rate is too high (I have a credit score between – 725 – 765 but don’t know the exact score), should I be getting the lowest rates available, i.e. the 4.9 average I’m seeing everywhere?

2. Which are the most negotiable closing costs?

The loan is a 30 year FHA for $ 165k. Thanks for your help!

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