Shopping for a mortgage is worse than studying for a trigonometry test.  Getting final figure for how much you'll have to shell out is extremely difficult if not impossible with all of the variable up front fees, last minute changes by lenders..the list goes on and on...

There is hope though.  A smart borrower will be very picky about the myriad of fees and one can even contest some of the fees if they seem exorbitant.   Shop around, compare prices as best you can and then see which lender is the most flexible with the parts of the transaction that are important for your particular case.

Remember though that a few hundred dollars more up front for a 5% loan is a smarter move than saving that bit of cash up front but paying 5.5% over 30 years.  It's always better to do a bit of research and take your time rather than make a fast/rash decision don't you think?