Opes Advisors A highly reputable investment advisory and mortgage banking firm headquartered in Palo Alto with offices throughout the Bay Area.
Granite Financial A local mortgage broker located in Cupertino. I highly recommend their informative Website, in particular the section about the "Loan Process" and "Terminology".
Merrill Lynch Credit Corporation A national lender. I find them to be excellent for refinance loans, both in terms of products and rates as well as responsiveness and convenience. The MLCC Website is a wonderful source of information about almost any mortgage topic.