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- Answer: You can finance a home with a loan from a bank, a savings
and loan, a credit union, a private mortgage company, or various state
government lenders. Shopping for a loan is like shopping for any other large
purchase: you can save money if you take some time to look around for the
best prices. Different lenders can offer quite different interest rates and
loan fees; and as you know, a lower interest rate can make a big difference
in how much home you can afford. Talk with several lenders before you
decide. Most lenders need 3-6 weeks for the whole loan approval process.
Your real estate broker will be familiar with lenders in the area and what
they're offering. Or you can look in your local newspaper's real estate
section - most papers list interest rates being offered by local lenders.
You can find FHA-approved lenders in the Yellow Pages of your phone book.
HUD does not make loans directly - you must use a HUD-approved lender if
you're interested in an FHA loan.