WASHINGTON -- For people about to lose their homes to foreclosure, the advertisements are like a lifeline: "WE BUY HOUSES FOR CA$H," or "Refinance Your Mortgage! To ensure that you will be getting the best mortgage rate, find out if the lending company you are dealing with has a broker. This is fundamental if you want to get the best mortgage rates and save your money. Contracting a broker may mean additional fees to subtract from your budget.