Mortgage Rate Rises

[EvilRob]

Sure. But how is it a positive to having a broker in the example given?

Unless I'm mistaken, tna said it's a positive to having a broker because when the bank dropped rates, each time they had to go to the broker and nudge them to get the reduced rates updated to their offer,

which takes just as much effort to do directly with the bank

That's my confusion

Free brokers like L&C have an online portal for your application. It's a bit easier to send them a message there and have them take care of it with the lender, especially if the offer can't be adjusted and it ends up requiring switching to a different product. But can you take care of it yourself? Sure...