If you are ready to buy a home, one of the first steps is to talk with your local bank or lender about obtaining a mortgage. They will be able to guide you as to the best program for your circumstances, how much money you will need for a down payment, and they'll provide you with a prequalification letter which I will add to your file.
There are many qualified lenders who will handle your financing in a professional manner. Consult your local phone directory for a complete list of providers.
I have worked with each of the local lenders listed below - they have either handled my own personal loans, or provided financing for my clients.
Caliber Home Loans
West Shore Bank
Daryl Pieczynski & Mary Kaye Wilkosz
Filer Credit Union