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e bought a house in 2001. We added a garage, shed, concrete driveway, deck, hot tub, new d

Woor, triple pane windows, and upgraded the electric. We refinanced once to do the garage and again to get a better rate. We now owe over $20,000 more than the house is worth less than a year after our refinance. We got "hosed" by the mortgage company with more than $10,000 in fees. We have now learned our lesson which was a huge slap in the face. We don't feel like we can trust any lender now. We are moving and are going to rent because we are nervous about another mortgage. Eventually we would like to buy again. Any suggestions? Some have said to stay with reputable companies. We've also heard to deal directly with banks and credit unions. Obviously third party brokers are crooked so they are out. Suggestions are greatly appreciated.