I went to local bank. I got the above mortgage. My credit is excellent. I have money to back the house.

Is this a good rate? Could I have done better without resorting to an internet or unreputable mortgage?

Please advice. I don’t think it is too late to change my mind.

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My husband and I are disabled and really do not want to downsize from our manufactured home but need some help with our mortage and utilites and in engery saving improvements for our home. The home is only 5 years old but still needs some engery saving features. We donot qualify for food stamps so that elimates several options. We miss by just a few $$ per month.