We're thinking about shopping for a mortgage on the Internet. Mortgage
companies and brokers on the net seem to offer better rates than the
local banks. We're, however, concerned that there might be hidden
gotchas behind the good deals, and that we might run into scam artists.

If you have experience with Internet mortgage companies or brokers,
please share it. Was your experience good? Is there a catch to the
seemingly good deals? Do you know of a good mortgage broker/company that
you would (or would not) recommend?

Thanks for your help in advance.