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Ginnie Mae Logo - Back to Home Page Your Path To Homeownership
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Finding a Lender

If you have already used the Affordability Calculator to obtain an estimate of the maximum loan amount, house price, and the types of loan programs for which you may qualify, the next step is to find prospective lenders in your area that may formally approve the loan. This is also the time for you to ask your local lenders about opportunities in the following programs:

  • Government Loan Programs: FHA and VA offer loan programs particularly beneficial to low- and moderate-income individuals. Contact your local FHA and VA lenders to learn more about these government loan opportunities. Additionally, you may want to find out about
    opportunities through the Native American Programs and the Rural Housing Service (RHS).
  • State and Local Housing Programs: Potential home buyers can familiarize themselves with the variety of state and local housing programs that offer additional benefits in their local area.
  • Ginnie Mae's Targeted Lending Initiative (TLI): A government initiative offering increased mortgage loan availability in designated areas that have been traditionally underserved. These service offerings are especially beneficial for low-income and moderate-income home buyers.

In this section you'll be able to search for a lender to meet your needs, learn how to choose a lender, and get pre-approval from a lender.

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