From my experience, I don't trust mortgage brokers. Last December I was almost out of money, but had a ton of equity in my house. I had a refinance deal arranged to close in early January, but the lender/broker pull out at the last minute. I was left without money to pay any of the bill and I had to scramble to find another deal. My credit score went from 700 to 500 in the months that it took to close the deal. I ended up refinancing with a 12 rate because I was desperate. Now, I'm back on my feet as far as working and paying bills. But I am stuck in a really bad mortgage from April. I may end up selling my house, because I can barely afford to live there. I would like to refinance again and I've been paying all the bills on time but my credit score is still low. I just don't believe any mortgage people any more. My question is: are there any Mortgage consultants that work for the best interest of the lendees like me? Thanks for any feedback that you can give.