I am a licensed Mortgage Loan Advisor in Grand Rapids. I work on first-time purchases and refinances.
The part I care about is that you understand what you are signing. I will go through the numbers as many times as it takes, because I would rather spend an extra hour on the phone now than have you find out at closing what a term meant.
Every file is different, so nobody gets run through a template here. Tell me your situation and I will tell you what actually fits.