Or is it connected to my primary so my bank should be the best place to shop for it?

I would not offer cross collateralization the banks can be very difficult if things go south.Also you need to shop several local and regional banks.

Our agent has used a stellar closing attorney shop in the past, but they were doing more than 100 closings in December (folks trying to cash in on 100% bonus depreciation?)

I was looking for coverage last year, and they were able to shop around and get me a great policy. 

I shop real estate online daily as well, so I looked at the link.

I'm looking to work with a broker who can shop around for the best quotes.

This will vary be lender, but just be aware of that and shop around.Also, as of now, I like the HELOC route, because I don't have to pull all the money out at one time.  

In the interim, start the shopping around for a good REFi product with a great interest rate amortized over 30 years. 

VA loans backed by the Department of Veterans Affairs even allow veteran borrowers to obtain 100% financing on a home.According to the Consumer Financial Protection Bureau (CFPB), before shopping for a mortgage a borrowers should:Check their credit reportAssess how their spending habits will change with a mortgageBudget for additional or changed expensesDetermine how much of a down payment is neededDecide on a purchase price of a homeCreate a loan application package with personal and financial information including pay stubs, W-2 forms, copies of recent tax returns, bank statements, and proof of identity2.

I would shop around but I don’t think you should have a problem finding lenders that will accept 20% down.