Hi,I went with lender recomended by realtor, fired him after 2 weeks ’cause he was too slow and squirrely and went with AIM loans. AIM gave conditional approval in 3 business days and then I spent the next 2 days removing contingencies – I got a lower rate AND better service. And no, I do not work for AIM loans : ) This was about 2 months ago, on the central coast tho instead of S.D.