The problem is brokers claim to do "this for free and pay that for you". People forget that nothing is "free". Advertising in the mortgage industry is probably the most deceitful of any industry.
Watch out for refi offers. Banks don't do **** for free and for every dollar they put out, they expect four back.
Refi math:
You pay $1,000 per month with 20 years left.
A broker offers to save you money by offering you a 30 year $800 per month plan.
$1,000 X 20 X 12= $240,000
$800 X 30 X 12...