Hello, please tell me what are the most favorable conditions for granting a loan for housing in California, and more specifically - the size of the interest rate and the loan term is the most optimal? And also how important such an item as "mortgage insurance"?

Good afternoon, tell me, please, where are the best conditions for a home loan in California? How to find an agency with a lower commissionin your city ? I would be grateful for your answers.

How to buy commercial real estate with no money?