If you are still looking for a mortgage, do check w/ a local loan officer. I hear a lot of negative feedback on internet loan offers. While I have no opposition to any poster on this thread, I can say that I have read many of Bill Turano's posts and have found him to knowledgeable and consistently straight forward. I work on the Jersey Shore and would be happy to provide you the names of a few loan officers that I have worked with and found to be very good.
I have been with an local Ocean County mortgage banker for 17 years. I will be glad to help you look over your good faith estimate to make sure there is hidden costs or potential pitfalls.
Email me at firstname.lastname@example.org