Question about taking loan credits or not

[Matt Steele]

I am sure this has been brought up before. I am closing on my first property soon and I have the option of taking a half a percent increase. Which would put me at 4.25% in an FHA loan allowing me about 7500 for closing, which is just about what they are estimating I would need. I will be able to refinance out of the loan into a conventional by the end of the year if I choose to. Getting rid of the PMI. Any guidance on how to evaluate my options? Thanks a bunch, Matt