Greetings Abderrezak, This is a great question to be asking this early in the season! In fact, I just wrote a blog (please see my Trulia profile) about how success favors the prepared. There are two ways of tackling this question. One, you can find a Lender on your own. This is usually done by speaking with friends or family that may have a referral for you. You could also do a lot of leg work by cold calling on several different Lenders. Or you could speak with whom ever you conduct your current financial business with. The other and more traditional way would be to speak with a Realtor. Most successful Realtors (including myself) have two or three Lenders that they have been doing business with for some time and have a good working relationship with. Either way you go, be sure that the Lender explains all your options, talk numbers, is familiar with the area in which want to live, and is easy to contact. As a "home town boy" who also happens to be a huge supporter of Madison Heights, I would welcome the opportunity to be of assistance. Please feel free to contact me (Cell/Direct Line: 248-417-1846) with any questions you may have! I hope that this information has been of value, and good luck.