In the refi rate thread, several of you mentioned contacting a broker to refi. Can you tell me where to find a broker? The banks we've talked to so far haven't been very helpful because we have our equity is around 15%, using Zillow as an estimated sale price. Our current interest rate is 5%, so we definitely want to refi. We plan to be here about 5 more years. Our initial mortgage was an FHA loan.