I need some crown-sourced FB wisdom. I would like to refinance our mortgage. I'm happy with the lender - just want to change the terms. How does one shop around for deals without damaging one's credit score? Mine is currently with my credit union. They're great and I plan to approach them. Should I use a mortgage broker, too? Or talk to another bank? I don't have accounts anywhere else. Any guidance folks can provide would be great. Thanks!