5% zero points can't close in 30 days versus 5.1% with 1/2 pt clo

[Jennifer MacDonald]

Looking for advice on which lender is offering the better deal.  

Purchasing a HUD Home. One lender offering 5% with zero points but states they can't close it in 30 days.

Another lender offers 5.1% with 1/2 point but can close it in 30 days.  

HUD contract says a 45 day closing which puts us at March 15th.

Which is the better financing deal? This is a SFH, I will be renting it and holding on to it for some time.