There is an organization called http://www.upfrontmortgagebrokers.org that you will find qualified brokers that you can be assured will treat you right and find you the best deals.
A mortgage broker actually finds you the best deal on a loan. He/she has several lenders that they work with and will put you in touch with the best program that you qualify for. Just as Kelli Yates stated, he will "shop/submit your loan to many, many different banks." Which for you means you will get the best deal out there instead of going to one bank in particular that will try to keep your loan there. He/she will get a cut from the bank that ends up giving you the loan, but who cares when he/she has gotten the best deal for you and saved you time and money!
Joan Patterson, B.A.., A.s.P., G.R.I., Realtor
Keller Williams Realty
8250 White Oak Avenue, Ste 102
Rancho Cucamonga, CA 91730
Mortgage brokers is 1st person you start with for any real estate search. Once approved realtor then locates your home based on your specifications, lender approval amount