What type of property and ownership? Brokers are always good... ideally their fees are baked into the better rate structures they can offer. I work with credit unions wherever possible as I find the decision-making is in region and more aligned with the community.
@Dennis Wasilewski- thank you so much. The property is my very own home. currently its between a credit union & the original broker I used to purchase. I most likely will be using the same broker. I have decided that at this time I will not proceed with a Cash Out Refi. Just a Refi to be the Sole Owner of the property. In the future I may be looking into a HELOC. thanks for your response