mortgage question - confused by different good faith estimates from broker & lender

[Anonymous]

I am working with a broker to do a no cost refi on our mortgage. I am getting good faith estimates from both the broker and the bank, and they show a different origination charge (the broker fee). The broker's GFE shows a broker fee low enough to make it almost a no-cost refi. The bank's GFE shows that we would be on the hook for a couple thousand. The broker says to ignore the GFE from the bank, that it is theirs that counts. Does this sound right? I am becoming more skeptical of the broker by the minute but it's been so long since I've done this that I'm not sure how it works. Also, we have locked the interest rate, but it's not 100% clear to me that this also locks the amount of the lender credit - which is very important to keeping this a no/low cost refi. If anyone has done a refi recently, especially a no-cost, can you help?

[Anonymous]

OP here. Never mind my question. After I posted I realized how ridiculous the broker's claim is. Never ignore the documents from the bank - they have the money! I'm switching to a different lender.

[Anonymous]

It sounds like you've answered your own question, but I wanted to add that in this market, you should try to get the bank or broker to waive any origination and/ or loan fees. It's a very competative market out there. We didn't refi, but just bought a house, and the bank we worked with waived all fees except for the $400 appraisal.