Some East Bay residents are calling on three national banks to renegotiate their mortgages to help them avoid losing their homes. About two dozen people protested outside the Antioch branches of Countrywide, Wachovia and Washington Mutual on Friday. A Wachovia spokeswoman says the bank The protest was organized by a Contra Costa County interfaith group that wants the banks to convert customers’ risky, adjustable-rate mortgages into 30-year, fixed-rate mortgages to help prevent foreclosures. There are several types of lenders that offer home loans with the best mortgage rates. From thrift institutions, commercial banks, mortgage companies, and credit unions, obtaining information from these lenders may help you in your search for the best mortgage rates.