Very seldom the issue of Conflict of Interest is discussed at a branch. The mortgage representative at the financial institution even though they have your interest in mind, cannot represent other lenders. Even if they know there is a better mortgage for you at a competing institution, they cannot disclose it to you. Hence the conflict. Mortgage Brokers do not have this conflict! Great Questions to think about:
Do you want to receive advice from a representative that only knows 1 institution?
If your branch representative would know a better financing for you from another institution, would they let you know?
Do you want options all from the same financial institution or from different lenders?
You get the point ! =)