I was pre approved for a 130,000 mortgage at a 6.75 interest rate through FHA. I am on my Credit Unions website and their highest interest rate is 6.60. Would it really make that much of a difference on my monthly payments to go with the credit union? FHA is the only place I have had run my credit so far. I dont want to have everybody and their mother running my credit and I am at a 556 when they are done!