Find a reputable mortgage banker with an experienced loan officer.
Then make an appointment to meet with them. Bring in your 1040's, W'2s, bank statements,
Ask them to provide a Fannie Mae approval, good faith estimate, and truth in lending.
Then you can check with your bank to make sure you are getting a good deal.
Mortgage bankers can access many different loan programs from several different banks. In this market this is very important. If a bank eliminates a program or raises rates on a program your are stuck.
With a mortgage banker, they can simply send your file to another one of their lenders. Usually, there is no charge or additional processing required.