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Brokers can go through multiple banks and can offer multiple programs depending on your credit and prior options.
If you're putting down 0%, its either a neighborhood gold type of program with FHA or a Conventional 100%.
Unless you've been a member with your bank for a decade, and always go through them for car/home loans, you're probably better off in every case with a broker.
You aren't getting "FUCKED" by them charging an origination point, its covering expenses. Especially if they are floating your ass, without locking a rate. Many loan officers will go lower, or charge you more on an interest rate, but most quote with an origination, and no more than half a point above their yield. Its covering the expenses of the house.
Maybe if you're a scumbag loan officer like Number, then all brokers are out to fuck you, but... having been in the industry for 6+ years, and the fact my family owns a mortgage company... thats an insult.
If you want some input from the former boss of said "brokers" let me know Bone, if you don't have my ICQ its 5321093.
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