FHA Home Mortgage Loan Interest Rates

I want to know what is the best deal I can work out with my loan officer or if I should see anyone else before accepting this offer. I was pre-approved for a $350,000 FHA Mortgage, 30 year fixed, with 6.5% interest rate, 2 points and a 5% seller concession. I have heard that this is not a fantastic deal. If I did not have 2 points would that money for that 2 points be place towards the mortgage? I want to know what I can negogiate with him so that it works to my advantage and is also the best for me. Our median credit scores are 672 for me and 610 for my husband. We make a tinier over $90,000 a year and both have steady jobs. No collections or Late payments for about a small over a year. The only thing that is keeping my husband’s score from increasing is what he has been working on over the past few months which is his balance on one of his credit cards, its a small over the 30% limit but not that terrible with a bal of $550.00, and this is also his highest. Within the last year we have paid off all collections and debts we had on our credit. I have no credit card debt but 2 installment loans, an eductional loan, a car loan and one secured credit card with $200 limit w/ zero bal and a revolving credit card with $400 limit w/ zero bal. My husband has one installment loan, one reg credit card and two revolving credit cards below their limits. He has had some credits cards that went into collections but have been paid off so they are just listed as closed under his report. My total debt a month is $786.00. My husbands debt is about $250.00 monthly. With this being said what would you suggest a better deal? Should I try getting him to drop the rate but keep the points? or take the points off and leave the same interest rate? or change another complete deal. We plot on refinancing in a year or two to get a lower rate. Pls help, NO SPAMMING, or advertising your business! All I need is a few suggestions on what I should do from either personal or professional experience. Thanks so much.
I guess I must be more specfic and take some writing lessons before posting a question here.

People take this way too seriously as if their getting paid for their time. Oh please get over it!

Meanwhile others are simply too noisy and can not stick to answering “the question”. We can defly afford it because it will be a two family home with a full finished basement. We will occupy one apartment and rent the others. Thank You!!!