One otehr option that is rarely discussed is looking at soem of the differnet brokerages. Many of them enterend the mortgage business. Charles Schwab offers a guaranty to match or beat any rate (problem is limited product selection) Merrill Lynch allows you to avoid the down payment if you have assets in a brokerage account there Offer wide range of products.
One final suggestion is to also consider looking at Costco which parners with lending tree and offers a rebate program.
I like doing some preliminary research on bankrate.com
