I wrote and said that I appreciated his time and help, but wouldn't be going with him because I got a better rate. I guess I should have just said "better deal", because he thanked me for my honesty. Then he emailed again and asked what the rate was. He says he believes the company might be willing to go lower since a small deal is better than no deal.

Since the interest rate was pretty much the same (but the APR was very slightly lower) I'm thinking I'll just say that I'm just going to stay where I am, but appreciate the offer. I can't imagine he could do much better... could he?

I should have just done more shopping up front to avoid any messiness. I guess you live and learn.