Just like buying a car, you can negotiate with your mortgage broker on fees, interest rates and programs. A mortgage broker gets a commission based on how much a bank is willing to buy a loan from his company for - whether it's a percentage or a flat fee. In some cases, the mortgage broker even makes enough commission to pay for all of your closing costs and still net a solid payment. The best way to make this work for you is to let banks vie for your business. Work with a couple of mortgage brokers and play them against each other. This may be a little painful if you're not used to doing it, but you need to focus on getting the best deal possible for you - not on their feelings.
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