When is the best time to start shopping around for a new mortgage? I thought that I had a great rate on my seattle mortgage but now as I am looking around I see that there are advertisements for a great number of deals in loan packages being offered. Especially if I have a great deal of loans and such with one company do you think it would be wise to package these deals and get one major loan for them? Can that even be done or does everything have to be separate and with a different loan and rate on each one?