Mortgage Broker or Shop?
I echo MillerTimes comments.
Brokers do not and should not charge fees unless private deal.
Rate sites are places for brokers to advertise rates... and as mentioned, most potentially come with restricted features and significant penalties.
The new mortgage rules are even more complicated as there are different rates depending on down payment, type of purchase (rental, owner occupied, etc).
Most low advertised rates are for High Ratio purchases only!!! Less than 20% down payment.
A few bucks more per month may save you thousands later...
There is not one rate fits all...
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