Refinance and HELOC advice

[Su Lee]

My mortgage broker offered me to refinance my home loan to a better rate (0.1% better, which will save me about 20K in 30 yrs) without me paying any fee. He said he will make commission from his lender, not from me. It sounds too good to be true. Is it true or is he hiding something from me?? He refinanced my mortgage about 7 months ago, my previous business relationship was very good. Is it safe for me to refinance again or should I refuse his offer? BTW, FYI I'm planning to get HELOC from a different lender in 2-3 months. Any advice will be appreicated. thank you!