We refinanced through McKinley Mortgage when rates dropped a while back. We were not sure if we wanted to go through a local bank or through a broker, but they were able to get a much better rate than any of the local banks or the online guys. We felt that they were willing to work with us to find the lowest rate and presented us with several options before choosing the best one for us. They are able to look at multiple companies and compare what is out there so that you can see what might work best for you. In our case they showed us several things we did not think of and while we went with a traditional fixed rate at least we saw new ideas.