Best place for Mortgage Loan?

[Curtis H.]

Hello all,

I'm creatively looking for a place, but this one is to live in.

I am in Southern CA, 760 credit or above, and looking for a reputable lender to get a prequal from and then use.

Am I looking for deals to take Sub2 or banks wanting to dump inventory by year's end? You bet. But working with a realtor for fixer uppers may also net me a good deal as well. I'm looking at anything with a 20-25% equity already there, that needs cosmetic work.

Am I on the right path?

Also please no solicitations like "give me a call, I'll help you out!", just referrals.

I'm hearing the rates are under 4% for great credit so the timing seems good.

Thanks!

Curtis