I don't know about the no-cost part, if you can't afford a thusand or
two to get a mortage how does one afford a house in CA ?

Be that as it may, Aaxa (which I'm not affiliated with) -
www.forthebestrate.com - and has good rates and low costs. They do biz
in CA also. Whole thing is done online and via fax. Painless.