In Contract townhome in Olney, MD. Help with good loan package (first time buyer)

[Samrawit Negalet]

HI hi, I am currently in contract to buy a home in Olney, MD (3bed, 3.5Bath. I offered almost 30K above and apprisal came in 3K more than what I offered. I really like the home and the area. However, the lender I am working with is part of the Maryland mortgage program that give you the 25K silent loan that needs to be payed back if you sell or refinance. The rate I got was 6.25%.  I do not plan to sell any time soon but do plan to refinance in the coming years. This is holding me back a little and I am currently shopping for other lenders, banks. I feel a bit stuck and would appreciate any input.