Congratulations on buying a new home!
I will assume you did go through with it...
Check out current rates and programs in different banks, not just the one you purchased through.
Then, refinance, if it makes sense financially.
When comparing rates, make sure you are comparing apples to apples:
1) Ask for the note rate (rate you'll be paying)
2) APR - Annual Percent Rate - that rate includes your closing costs.
When choosing by rate - APR should be the lowest you can get.
3) Ask what your closing costs would be - and get them in writing
4) Ask what the process is to lock your rate (until it's locked, it could change)
Hope this helps,
Beachfront Realty, Inc.