We recently purchased from a home builder in Carlsbad, Ca.  We were directed to the builder’s mortgage company who approved us for an FHA loan.  We had been recommended by family to call Doug Hoff at CNN Mortgage just to compare rates and costs.  After speaking with Doug he suggested a Conventional loan which with just a little more down saved us a lot in our monthly payment with the reduced Mortgage Insurance, and the closing costs were quite a bit less than the other lender.  He took the time to find us the best program for our situation.  I highly recommend CNN Mortgage.