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I have recommended them before, but I will mention it again. Check into ING Direct for their mortgage program. Extremely low closing costs (like no lender fees... at all, seriously) and very competitive rates. I think that they are only currently offering ARM mortgages, but they have a 3/1, 5/1, and 7/1. And, no, I don't work for them. I just have been very happy with thier financial services for me.
Oh, and I have been cross posting in a new thread on frugal living over in Tilted Living for anyone who hasn't seen it yet. Some of the stuff posted there, might apply here and vice versa.
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