Dear Trulia Austin,
You are very busy posting questions. Are you a serious buyer? It seems you are only interested in posting questions to encourage discussion. While I typically do not mind forums like this, I think Trulia is best-served with a focus on real customers.
Today only, I'll answer your question as simply as possible: Contact a lender, either through your bank, credit union, mortgage broker or online resource. Or ask a realtor you trust, or comes highly recommended from a friend, for lender contacts.