McCain said families would gain “the opportunity to trade a burdensome for a manageable loan that reflects the market value of their home.” Refinance With Bad Credit. http://www.revver.com/video/789221/subprime-lenders/ ... Another thing is that mortgage brokers can be more resourceful than banks. Because mortgage brokers do not work for only one company, they have more access to mortgages and loans. Greater suitability and better mortgage options are what mortgage brokers bring to their customers.