At your first appointment, ask the bank's loan officer some simple questions.

Before closing, if the rates go down will you let me know? Will you lower my rate?

During my mortgage, will you let me know if it becomes cheaper for me to refinance with a penalty to save money?

What will my penalty be if I need to refinance after 3 year? In dollar amount, please?

If I want to move, will I be able to port and increase my mortgage at competitive rates?

At renewal will you provide me with a competitive rate?

Can I have you cell phone number in case I have any questions?

Do you work for me or the bank?

Pretty simple questions, but you might not like all the answers.