Interest rates will vary and are only one dimension is selecting a loan program. If you are veteran, you have other options. If you work for the State of CA or are buying in certain areas, then there are some 'grants' available in home purchase. The CHDAP program is still available depending on your income level. These programs can effect your interest rate, or your monthly payment amount.
I would recommend you get more than one offer from lenders. I agree that you should refrain from trying to do that online unless you want to be inundated by phone calls. (The internet site sells your 'lead') By comparing your good faith estimate (GFE), you should decide on three factors- amount of downpayment (and be careful because prepaid items are estimated in that number), monthly payment including principal, interest, taxes and insurance (PITI), then again compare the sum of PITI with the Mortgage insurance included (if you are not putting down 20% of the purchase price).
If you need help with this comparison, contact me. If you want another lender name, contact Mark Holmes at (916) 837-9686, or Mike Sierck at (916) 367-7120. Both are excellent.