The buyer pays the points to the broker, either up front or through a higher interest rate on their loan. Mortgage brokers also usually have higher fees across the board. Of course if you negotiate it, you could get the seller to pay this, but this is a negotiation and not standard business practice.
I have a different opinion than my colleague. If you have great credit then going with a direct lender will usually save you money (both in up front fees and over the life of the loan) and speed up the funding process. You should comparison shop, at the very least. Also, if you are a first time homebuyer, not all lenders know all the programs you might qualify for. If you want more information on these programs and some guidance on finding a lender to help you, please feel free to contact me.
Good luck in finding a great home at a great price and Dare to Dream.
Real Estate Consultant
RE/MAX Palos Verdes Realty