[sharemywin]

Ask if they do borrower paid compensation. you might also want to check a local credit union.

You might also try looking for mortgage brokers and small banks in smaller towns in CA with lower property values. They might be willing to give you a break since your loan amount will look big to them. And they are used to doing loans for 4-6K

Also make sure you get the inspections worked out upfront. Last thing you want to do is try to round up all the inspectors at the last minute.

Here are some you may need: pest, radon, structural, general, one with moisture detector

for buyers agent https://www.upnest.com/ finds agents willing to offer buy credits

[100-xyz]

Appreciate your detailed pointers.

[sharemywin]

One last thing APR APR APR. rates closing costs are all baked into APR.