Refinancing your first home mortgage is very easy and painless, especially if you use your regular mortgage broker. The process still requires an application, a home appraisal and some of the same financial documents you needed to ... Looking for a home mortgage usually involves you, your money, and a bank officer or a mortgage broker. So what's the big deal? You ask. The result is the same - you get a mortgage; you get a new house. But these two job types are different and it is important that you at least understand that difference.