Well, I live here so that uniquely qualifies me; I'll probably see you in the supermarket or at the beach so there is a high degree of accountability there. You might check out this award-winning article:
There are several good lenders out there but I use CW Mortgage (Kevin Kueneke 760-500-1919) for my lending needs. I do not do loans myself but have been using Kevin for quite some time now. I hope this info helps.