You can find out your three scores by asking your lender for a copy of your credit report. We use your middle credit score to determine rate/qualification/etc. Self-employment does nothing to the rate. $12k for closing costs is within reason based on a $400k loan. Rates are in the low 4's even at 90% LTV so hopefully that 5.79% was a typo. Good luck!

Everyone has 3 credit scores. Normally the scores will be relatively close together unless you have some unusual account like a collection or judgment. Any one of these derogatory items can drag your score down 50-100 points instantly. The lenders on a home mortgage review all 3 scores and select the middle score of a single person and the LOWEST middle score of a couple. Banks do not give you the lowest rate any longer. You should definitely shop for a loan with a local mortgage broker. They know your market area. The banks have layed off so many people and centrallized their processing usually way out of state, they cannot keep up with the loan volume to close in a reasonable time.As far as a self employed borrower goes. The banks are going to be very conservative in evaluating your income. They are NOT going to give you any special consideration any longer just because you bank with them. They used to do that and in some cases for extremely high valued customers they will make some exceptions. My brother used to work in the High Valued Customer Department at B of A, but they have since closed that department.

5.79% could be the APR ( Annual Percentage Rate ) which is always going to be higher than actual Interest Rate. Did BofA apply mortgage insurance to your total monthly payment?