I am sure people get to answer this question a lot, especially after mentioning you have been living in different cities. My most favorite city is still San Francisco, it is so beautiful there, the scenery can really help if you have a bad temper or anything, the blue ocean, the gorgeous Golden Gate Bridge, the muir woods, the different beaches which provide different feelings to you. I really need to get a fixed mortgages to be able to afford to live in this city. Right now since the rate is pretty good, I really want to take the opportunity to get loans that will not ask for three years tax returns and stuff like that, it’s not that I can’t provide those information, it is just so time consuming. So any mortgages that do not ask for so many detailed information, I would like to try to apply.