they got the loan in 2005, a broker had assured them they'd be able to refinance before their payments jumped. But that was before home prices fell, loans ... the lenders to refinance loans ... largest U.S. Daily Pilot - ... lender, said it was hard to modify loans ... To get the best mortgage rates, you need to contact several lenders as each lender may differ in their price quotes. Getting the best mortgage rates out of your home loan can also be achieved with the help of a mortgage broker.