what are pros and cons of bank vs mortgage lender with 20% down and excellent credit as total feesassuming we qualify for best conventional loan and can put 10 or 20% down. how different are fees and rates in s fl from bank and from mort broker to mort broker. dont want to pay frontload or pmi on fha. thanksJune 24 2009 - Davie11YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.