Looking for lender recommendation in Texas

[James Walker]

I have a house under contract, renter ready to move in and my lender is getting squirrelly on me and asking me to make changes to my tax return that I’m not super comfortable with and they are charging $6k in origination fees for a $120k mortgage. I’m considering a couple of options and would like some opinions:

1.) find a new lender-save the huge origination fee and buy down the points- KW Mortgage will charge me $0 origination as my wife is an agent.

2.) Pay cash and refinance later- this makes my wife nervous because she’s worried about rates going up. We have the cash but I’d prefer to use leverage.

3.) stay with the current lender and have my CPA make the adjustments.

Which would y’all choose? Any options I am not thinking about.