What are the pro's and con's of using either a mortgage broker or going directly to the mortgage lender?

A mortgage broker will shop different lenders to get you the best rate.

A mortgage broker can offer various programs from different lenders. If you have "difficult" credit this may be the best way to go.

Mortgage bankers act as lenders themselves. They don't have as many programs to offer but they may have slightly better rates and they almost always have lower fees. If your credit is good then you may be better off with a mortgage banker.

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A mortgage broker will shop different lenders to get you the best rate.

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When a mortgage broker gets the desired load, you still have to pay for his fee. If you go directly to mortgage lender, you can negotiate for better deal sometimes without paying for a fee (rumah murah).