Stephan,

You don't necessarily have to limit yourself to lenders in your area. In fact, there are many national lenders that can provide lower rates than local lenders because they have a wide variety of lending partners nationwide, and are not limited to one specific area or state. Check out this link (http://www.hud.gov/buying/booklet.pdf) and consider looking outside of your local area for the lowest current mortgage rate.

I hope this information helps. Best of luck!

Regards,
Total Mortgage Services

I recently worked with Nate Jones with Cobalt Financial. He was very easy to work with and he had access to pricing my loan out with 200 different lenders before we found my final rate. His office number is (760) 481-3173. He specializes in the San Marcos area.

There are quite a few qualified mortgage professionals in the area. Although I don't do loans personally, I can recommend some of the top people, who can help you today. Give me a call 760-828-4474.

This award-winning article may help you:

There are several good lenders in the city. Please contact Alan Shafran for a referral. 760-929-9212, Alan@AlanShafran.com