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Approximately how much should I receive in lender credits to take a 3.375 rate at this time—refinance.

Current rate is 4.5% so obviously eager to refi, but times are tight. Converted SFH to duplex so now based on the loan to value required and lower than anticipated appraisal I need to take lender credits toward my cash to close. I am wondering if a credit of ~10K is reasonable to take the 3.375 rate. I know there are probably a number of factors but just looking for some insight. I’m working with a loan originator who is a long time friend, but I don’t have a lot of experience or knowledge and just wondering if this sounds about right or if I should somehow be shopping this out. He has been super helpful throughout the process but I want to make sure I’m getting a reasonable deal. Thanks

submitted by /u/phishfiend
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source https://www.reddit.com/r/RealEstate/comments/kmqsb2/approximately_how_much_should_i_receive_in_lender/
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