You may have picked the best time there is to get home financing. Banks are being forced to lend money and the interest rates are low.
Finding a lender is mostly word of mouth and shopping. Get your financial information together: information about your income, debts, and assets. Also take some information about the house you like. For the first meeting, there is no need to run a credit report, so don't worry about checking with more than one lender. You are just trying to get an idea of what that bank will be like as they work on your loan. A loan officer should be able to give you a response as to whether the bank is interested in working with you. For example, some banks will finance manufactured homes and some will not. Remember that every bank has different rules, so while one bank may not be lending it does not mean that other banks are also out of the question.
Mortgage brokers are able to check different sources for loans, so they may have access to more loan products than a bank.
Good sources of references are title companies and real estate agents. They should be able to give you a few names to contact. Check the references out. Find someone that seems competent and helpful. Not all lenders are the same, so don't be afraid to shop around.