I wonder if I have time to go shop around for better mortgage rate... The difference is only going to be of about 1% which is about a 175$ difference

The rates are high apparently lately, they should go down to 3.5 to 3.9, which would be much better

I calculated, even if we get disastrous rates like 11% again, I can actually afford that. It would be tight, but I wouldn't be in deep shit