Maybe you are not aware of this, but you will get a lower rate through a broker than a bank every time, that is the reason to use them. If you want to pay more, by all means go to a bank directly.
Also, no cost does not mean you are paying more, many brokers take the money out of their fees to pay things, and just make less per loan. That is one of the lies propogated by mortgage brokers to keep their commissions up. They can just choose to make a lower fee, Anica has done this for me over and over again over the years.
