Applying for a Loan

Finding a lender
Choosing a mortgage
Shopping interest rates
Loan application costs
The appraisal process

Can I be a homeowner?

Finding a Home

Making an Offer on a Home

Inspections

The closing process

Glossary

Finding a Lender

Mortgages are available from a wide variety of sources, including mortgage companies, commercial banks, and other financial institutions. Your real estate sales professional is likely to have information about who to work with to get a mortgage in your area. Also, ask friends, relatives, and colleagues about where they got their mortgages.

There are online sources of information that may be helpful. Our list of Housing Opportunity Lenders who also are familiar with some of the housing assistance programs found on this website can help focus your search.

As you begin working with your lender and apply for your mortgage, take advantage of the glossary found on this website that will help you become familiar with some of the terminology used in the home-buying process. Also read through the HUD handbooks that you'll receive when you apply for a loan. One is about closing costs and the other is about adjustable rate mortgage loans