Go to your local bank, your credit union. Call a realtor who may be able to recommend several mortgage consultants.
Buying a home is a bigger investment than buying a car. Yet people do more shopping around when buying a car....
Also check out the various Home Buying Assistance programs offered by your city or county. Often times, they are also linked with mortgage companies who provide a myriad of lending programs.
Take care and good luck!
I already answered this questions for you several times over the last few days. I understand that first time home buyers have a lot of questions, but until you actually pick up the phone and talk to somebody you won't get very far. Good luck to you.
If you'd like to give me a call tomorrow, I'd be happy to steer you to a great lender right near your area....she's in Woodbury! My cell is 612-414-1144.
Thanks, Todd Norsted