Matt, the Mortgage Guy is the one that you should go to if you have a need for a mortgage loan. Everyone has needs for a mortgage loan nowadays. It is just the way things are. With the price of the property and the economy being as they are, it would be unrealistic to purchase your dream house with cash. In the end, it comes down to the lender that you choose. If you live in California or if you are looking for calpers home loans in the area, then Matt the Mortgage Guy is the one that you should look for because he can give you the best rates for calpers loans.