I think your best bet would be to find a good broker that you can trust. Then let him or her do the work for you when you're ready to get more cash.

I personally have known the majority of my clients since the '90's and they work with me because they can trust me to find them the best deal out there. Brokers are paid commission by the lender and can shop your deal to a couple different lenders to get you the best factor possible. So it isn't like you are going to be charged any more for using a broker.. in fact.. many times a broker may get you a better offer than going to a lender on your own.