So you didn't have any fees other than appraisal?
correct. check out zillow; its a free service that looks up the best mortgage deals..and their reviews/ratings so you know you're not getting scammed.
these mortgage companies specialize is 'low ball' internet rates. you won't get the same rate if you just called them out of the blue.
in fact, northpointe's rate was actually higher when i filled out their form, the guy i worked with had to actually go in and put the correct rate in.