Your mortgage broker at the bank didnt know the anwser to this question? Sounds like it is someone that does not know there stuff.
Give me a call if you want to work with someone that can actually anwser your questions and does not work for a bank. You can call me at 408-352-5147 or email me at AGreer@themortgageoutlet.com. You can check us out at http://www.TheMortgageOutlet.com. I will look at your situation and present you with some options.