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Too late to renegotiate mortgage rate?

We were given a rate of 3.125, we are putting $345,000 down on a $519,000 house, credit scores are over 800. We're first time buyers and were days away from the birth of our 4th baby at the time we were given the rate so we just didn't think to negotiate, or shop around more. The appraisal was done last week, and I gather that means that we're close to having our mortgage. Is it too late for us to try and get a better rate from our lender?

submitted by /u/TurtleTestudo
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source https://www.reddit.com/r/RealEstate/comments/ijncjl/too_late_to_renegotiate_mortgage_rate/
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