First time homebuyer

Doug and I started looking into purchasing our very first home and I guess I just need to vent! First of all, both of our credits are very good and we have actually been approved at our bank but we do not like the payments or interest rate. They quoted us 6.5% for a 30 year fixed rate. Down here in Florida homes are very expensive with the average home going for around $175,000. Less than 2 years ago houses were less than half that much but the market has just gone crazy here! We currently pay$1200 a month in rent and would really like to stay under $1000 a month in payments with this mortgage. Once I have a baby we won't have my income anymore so we definately don't want to go "up" in payments. The lady we met with at the bank was less than helpful. She was very forceful and didn't explain things well at all. Not to mention she was rather pushy. After talking with a few people we heard the interest rate and such isn't so bad but the over $12000 in closing costs definately are! As a first time homebuyer where do we go, who do we trust? We really don't want to go all over town as every time your credit gets looked at, you lose points.

Any helpful hints would be most appreciated!!!!!!