|I respectfully disagree with Victoria.|
Banks only show you the few loans they offer. Good brokers have access to hundreds of loan packages.
Many brokers can get the lender to pay for most if not all of their fees.
Even if I have to pay the broker $1,000 I know that I will save that much on the first year of interest on the best deal I could get with the local or big lenders here.
By the way - I suggest you pay your own property taxes and insurance.
Has anyone else noticed how the number of months of "cushion" the lenders are giving themselves has been increasing? I have recently been seeing 5 to 7 months!