The broker who runs this office (David) is great. He wants your business and is willing to work with you to make sure he earns it. When I'm looking for a rate I call him and ask what he's got for no points and no fees. After he tells me, I look elsewhere. Usually his is the loest but if it is not then I call him back and he will beat the other offer.
How does he do it? Well he wants your business and will willing to share his commission with you to get it. He would rather make less money on a transaction than give up an entire commission because the customer went elsewhere.
David is a fair guy. He will tell it like it is and give you a break.