As with most things in life, nobody is going to give it away. Unfortunately, it is often very difficult for the consumer to determine just who has the better deal. A contributor to the confusion is the numerous fees charged by the Lender. They can have different labels and slightly different costs. Comparing APRs provides a better comparison.
Lower rates are always available for a price.
Likewise, you can take a higher interest rate and often find financing without any fees at all. Again, look at the APR to see which is the better deal. Naturally, the estimate is as good as the loan officer preparing it. Mortgage loan officers are typically paid on commission. Their personal income is dependent upon how many loans they can generate.