WASHINGTON — The Federal Reserve’s most aggressive rate-cutting campaign in decades so far has failed to lift the country out of its economic doldrums. The Fed, which started ratcheting down rates last September, halted the campaign in June ... To ensure that you will be getting the best 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.