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I have gone through both a bank and a broker to get a mortgage. The first time I bought a house I went through a broker. Since I did not have a big credit history it was easiest because they did all the leg work to find a bank that would take me. The second house we had to go through a bank because my wife is self-employed and doesn't have a five year history of self-employment income, but she has a great rapport with the bank and got a great rate. So to sum up little credit history -> broker, good credit history with one bank (or self-employed) -> your bank
As the purchaser of the property, you don't pay the realtor, the seller pays it all. I have my own agent, and have never called the one on the sign. When you sell a house the agent has you sign a waiver saying that he will disclose if they are working for both the buyer and seller, they are not supposed to disclose what the sellers bottom price is or what the buyer is willing to pay to other parties, but my agent has told me others do it to him all the time. I would reccommend getting a different agent than the one on the sign.
Good Luck
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