I used a local broker with Wells Fargo. He closed a very complex FHA loan in 30 days (unheard of) and the rate was very competitive (5% back in August). The fees were also very fair (outside of FHA).
He understands the whole process to the tee and we were in contact with him and his processor every day. I have since referred him to quite a few people and they have all been VERY satisfied.
If you would like it email radelow AT yahoo DOT com