I haven't found that mortgage brokers are much worth it, really. Mortgage brokers make a lot of money that just gets added into YOUR closing costs.
On the other hand, they do know the news, like, that BofA is practically giving away HELOCs to anyone with more than 25% equity. But, see you CAN find that out on your own. Shop on bankrate.com to get the idea of what rates are. (It's a great site for figuring out mortgage stuff anyway - the tables section. Here, the calculators: http://bankrate.com/brm/rate/calc_home.asp
If you find a bank offering a really good rate, just go directly to their mortgage dept. and see what they will give you.
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On the other hand, they do know the news, like, that BofA is practically giving away HELOCs to anyone with more than 25% equity. But, see you CAN find that out on your own. Shop on bankrate.com to get the idea of what rates are. (It's a great site for figuring out mortgage stuff anyway - the tables section. Here, the calculators: http://bankrate.com/brm/rate/calc_home.asp
If you find a bank offering a really good rate, just go directly to their mortgage dept. and see what they will give you.