My advice is start with your real estate agent for a referral. He or she should be able to point you to a few great loan officers who have performed well for them and their clients. The relationship between the agent and the lender is important, because you, as the buyer, want a lender who is not only focused on giving you a great loan and great service, but is also focused on keeping the agent happy by taking great care of you. A lender who has built this kind of loyalty with your agent is just what you want. If you don't have an agent yet, then start with a lender and work backwards! My recommendation in Marin County is Rob Spinosa, RPM Mortgage, 415-367-5959, email@example.com. Very responsive, professional, efficient. Good luck!