Again, Do NOT use an online banker system. Yes, the rates are lower, but San Diego has some “quirky CCR’s” and incredibly strict contract deadlines.
Online brokers may be difficult to reach at the most important time of the contract. A failed contract could cost you your deposit/earnest money. (And that is 100% on you) Please, use a local lender. Somebody who you can see or give a handshake. You can always refinance later, sometimes with no points down. (Protect your deposit, stay local)
Credit unions are great for Refinancing but can be slow and troublesome on the first mortgage home purchases. (Don’t do it)