Avoid adjustable mortgages that offer a teaser start rate when possible. Real Estate agents love them because they can sell you a more expensive house. A 30 year fixed mortgage protects you for the future. Your monthly payment and interest rate will never go up. Often with no closing costs.
Mortgage brokers are different from a direct lender.
Brokers can not approve or fund your loan. Instead they become middlemen usually selling your loan to a direct lender who pays them the most for it. Many lenders have cancellation charges as high as several thousand dollars. Insist on no cancellation fees before you apply. Real Estate companies often have financial relationships with mortgage companies to make extra money.