Here are some guidelines for dealing with a UMB.
SHOP FOR AN upfront mortgage broker , NOT A MORTGAGE
dealing with an upfront mortgage broker (UMB), your major focus should shift from shopping interest rates and fee's to shopping for a broker. Once retained, the UMB will shop the market for you. Brokers can shop lenders far better than you, because they are in continuing contact with many lenders.
Look at the big picture....DON'T BE DECEIVED BY MORTGAGE PRICE QUOTES
You can ask for a mortgage price quote on the day you interview the UMB, but don't base any decisions on it. The price quote you get from a UMB is unlikely to be the best one you hear, because it will be an honest quote. Honest brokers can't compete with those who ensnare consumers by quoting prices they cannot actually deliver