What price range are you in? When I talked to B of A a while back I would get one quote online then a different quote on the phone, I guess they think Californians are risky.I would recommend you try Countrywide.If you are looking for jumbo,I don’t know, as I was looking around for sub 417K.Funny thing is that even though B of A owns Countrywide they operate differently, atleast for now.