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Offered accepted, which lender should I choose?

First time home buying, applied with 2 lenders back in February, offered accepted this weekend in a not very expensive but competitive market west side of the saltwater from Seattle, closing date is projected to be May 1st.

Both lenders quoted me 3.75% interest rate before buy down

Lender 1(BofA) need 35 days so that would require me to extend closing date for 3 days, officer fairly responsive, the highlight is that they have a program that offers to pay 7500 of closing cost.

Lender 2(a local lending company) responds very swiftly, great customer service, could close on time.

Which one should I choose?? I'm torn because 7500 would be extremely helpful to have but I'm not sure if it's worth asking to extend closing with all these uncertainties.

My agent highly endorses Lender 2 since they have a close working relationship and I can see the benefits of being able to close quickly. I can also potentially negotiate half of the closing with the seller after inspection.

Let me know if there's a clear answer! Thanks

submitted by /u/esrmpinus
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source https://www.reddit.com/r/RealEstate/comments/fs2scz/offered_accepted_which_lender_should_i_choose/
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