Some brokers advertise their lowest prices as a carrot and stick to lure customers.
Once you are in the door, the broker lures you to another, more expensive product. Be wary of any rate that appears to be the lowest price offered by anyone. Use independent mortgage rate watchers such as HSH Associates to know what the going rates are. You can't get a bargain unless you know the going price. Sometimes a broker appears to forget certain fees until you are in to the mortgage too deep to bail.