I strongly urge each buyer that I work with to interview at least 3 to 4 local lenders. Request a Good Faith Estimate from each, this is a list of fees and cost that lender charges to process the loan. If you are a member of a Credit Union, they are very competitve with rates, points and fees. I would also suggest letting each lender know you are comparison shopping, that way you are getting the best possible loan the lender has to offer. Do not just focus on the interest rate when making a decision on the lender that will eventually prepare your loan. This is one of the areas where my expertise can come in handy. If you follow these important steps, you can be assured you have chosen the best loan for your family and situation. Here are a few local lenders that you want to consider with names and numbers: Cara Mengali- 530-753-8980 with Mortgage Resource, Rick Carrie 530-753-5626 at Metlife Home Loans, Dan Chen 530-757-6708 with Wells Fargo and Dave Heard 530-902-3725 with Mason-Mcduffie.