Purchasing a house is a huge decision and the mortgage is likely the largest financial instrument you will ever have.
Do you believe that mortgages are a simply a commodity product, such as copper or crude oil, with the only point of differentiation being an interest rate? If they were then there would be no use for mortgage professionals such as myself. Luckily they are not commodities and you would be surprised how the small print can impact your total cost and risk.
My approach is to educate and inform my clients with full disclosure.