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Ok so why not get a second opinion and be prepared to act on it while first notifying your broker that you will be doing so. You never know that might get them to act. Nothing untoward there if it is done professionally. As an aside maybe the current broker was looking at low or no doc...

I have done this type of thing for free before but its not that helpful for anyone. If I come up with an opinion that is opposed to you current broker what do you do then? EG I say you can borrow another $500K your broker says you are maxed out. You go back to your broker he / she says I don't...