A California-based mortgage bank is offering rebates to mortgage brokers who successfully convince borrowers to take its option ARM products. But officials at BrooksAmerica mortgage say that the rebates are just one prong of a strategy that aims to court new business through superior service that features a “human touch.” Terry Cabaniss, head of operations for the Irvine-based lender, said that the decision to offer a 3.5 percent rebate reflects the...