Mortgage Broker Fees

I wasn't sure whether to post this, as I've seen how vicious some posters can be if there is even a hint that someone is inexperienced or unfamiliar with the process... but here goes. (Be gentle.) Last year, when I started my search, I spoke with a mortgage broker to get some idea of what I could afford, etc. She sent me a pre-application disclosure and fee agreement which indicated that her fees... [more]

I wasn't sure whether to post this, as I've seen how vicious some posters can be if there is even a hint that someone is inexperienced or unfamiliar with the process... but here goes. (Be gentle.) Last year, when I started my search, I spoke with a mortgage broker to get some idea of what I could afford, etc. She sent me a pre-application disclosure and fee agreement which indicated that her fees were paid via commission by the lender. Now I am close to buying and have started working with another broker recommended to me, who sent me the same document as part of the process, only she is including both the commission from the lender (not to be disclosed until rate is set), and an additional 1% fee which I am to pay directly. Is it customary to charge both? I know that all mortgage brokers are not alike, that service levels differ (yes, I read other threads, even old ones), and that you theoretically get what you pay for, but this seems excessive to me. I am not nickel-and-diming, but am wondering if I am being taken here. Any thoughts? [less]