K.S.
I am in banking and would hesitate to counsel you not knowing a lot about your situation. When you say "mortgage consultant" I have to confess, I don't think such a thing exists. Whether you call a Bank or a Broker...You are calling a sales person. I think what you might want to do in conjunction with seeking out a sales person is to connect with a Financial Advisor.
At my Bank, we have positioned ourselves as "Debt Savvy". Meaning, we can lower your monthly payment if that is your critical need but we'll be very upfront with you that in the end, you are still paying the same (if not more and if not for longer). That can sometimes be a tough message for my Bank to deliver but it is the right and honest message.
Other thoughts...As far as getting into a good refinance product and finding someone you can trust...That may be less of an issue depending on how powerful YOUR own financial position is. If you come to the table with a strong credit score, no credit delinquencies, stable income history, manageable debt (i.e. credit cards)...Then you will get what you need. It is those clients that come to the table from a weak or unknowledgeable position that have very little room to negotiate and that Banks/Brokers are less than eager to work with or give a great deal to.