Pittsburgh Post-Gazette - It is absolutely ludicrous when you can have a mortgage on your house for a fixed 5.5 percent, and your student loan ...... student is not like refinancing your home mortgage. You cannot refinance once you ... I had a very bad experience with my student loans. Brokers are the ones who help you find companies with the best mortgage rates. Brokers have a greater access into the best mortgage rate options posted by lending companies. This means that you get a wider selection of loan products and terms for you to decide which one has the best mortgage rate.