When I was looking to refi, one mortgage broker kept offering a "2/28" ARM. I told him upfront that I was only interested in a fixed loan at a low rate. He eventually got quite hostile insisting that I must take his "2/28" loan because that was the best I would ever find and he had already done the paperwork. Another broker aggressively pushed a second mortgage at over 10% with high fees, saying that was the best I would ever get. Eventually I found an honest person who quietly closed a very low fixed rate mortgage with no surprises. You have to shop around out there.
I'm glad you got what you rightfully qualified for.
However, I can spend hours telling you about Mr. Idiot-Who-Knows-More-Than-a-Loan-Officer-With-Years-Of-Experience with a 513 credit score (that's a VERY bad credit score) who INSISTS he can get a 6.125% fixed rate loan "at the bank" but for some reason, he's talking to me...