I have a mortgage I want to refinance to get the new lower rates. Which bank should I go to?

Which bank and what rates , terms can I get now? I have very good credit, never missed a payment. The rates the mortgage broker gave us 2 years ago were horrible, and we never pay off the principal. I want to pay off the principal with good rates. Which bank is best? Thanks. http://bit.ly/lrM8kM