[JohnPau2010]

compared to a direct bank ? I am applying for a home loan:I have got a GFE from a bank and they quoted around 5.30%(30 yr fixed - zero points)I have got another GFE from a mortgage broker and they quote 4.85%(30 yr fixed - zero points)1) Does a mortgage brokers usually give better rates than direct banks ?2) How do I know that the mortgage broker will give me the GFE rate what he gave me today, so there are no surprises later ?3) Are there any questions or something i need to ask the mortgage broker to make sure I am getting the right deal ?