I feel they are just shopping the market for a better deal which doesn't seem to be out there. 

I would love to meet or talk to those real estate investors who live or work from Napa, CA or nearby like American Canyon, Sonoma, Yountville, Santa Rosa etc about their experiences and possibly how I might be able to learn by helping them.

Or flyers on cars in shopping centers that have real estate businesses? 

Quality of life.. in my younger days schools ( IE spent half my income to live in the Palo Alto School system).. ease of commuting to work.. shopping. 

Any tips for shopping around a loan? 

Rick H. is correct pretty hard to find a 100% shop that is consistent.

Here are some "cheap" look nice tips that we figured outKitchen* if you paint the cabinets using the kit, its $80ish dollars and transforms the kitchenWhen shopping for fictures and cabinets use the loss leaders.

GroupSafety Group(The) Hanover Insurance GroupTower GroupLiberty Mutual GroupTravelers GroupMain Street American GroupUnion Mutual Fire Insurance GroupMapfre Insurance GroupUnited Services Automobile Association GroupMetropolitan GroupVermont Mutual GroupNBIC Holdings GroupAlsohttp://www.mass.gov/ocabr/insurance/home-insurance/companies-issuing-10-or-more-home-insurance.html

If you're ever out near the Legends/Speedway area maybe we could catch lunch and talk shop (I work at Cerner).

And nearly double what a quarter of American households earn.