I have 791 credit score and 30% down payment.

Is it a primary residence? What are your closing costs? What are the fees associated with it? What is the APR? It may or may not be too much, more info is needed. If you are unsure, just get another quote; If in CA, contact me for one or view my profile.

The first concern is that rates go in imcrements of .125% unless it is a portfolio lender so you may want to check around with 2 other lenders and compare apples to apples btu make sure you do it all at the same time or else you could be chasing your tail as rates have the ability to change 3-4 times daily depending upon the affects of the bond market

It could be a little high depends on what option you took lender paid or borrower paid, what type of home it is and where the property is located. I would advise you shop your loan again and see. I do not have enough information to be sure.

I would say that is a little high. I would quote you around 4.625%