[Jacks]

I'm by no means an expert on the subject but when I bought my house I used a mortgage broker that was referred by my realtor. He got me a better deal than the banks were offering.

It's been awhile but I'm pretty sure the bank paid the brokers fee and it didn't cost me anything.

Edit: Make sure you go with an option where you can pay extra each year and then pay whatever you can, every little bit helps. It's amazing how many years you can knock off your mortgage by putting a couple extra thousand (tax refund?) down each year.