If you have not talked to a realtor start there they usually have relationships with lenders that they will be able to put you in touch with. If you are not working with an agent then go to the bank that you bank with and start there. If you are looking at foreclosures be prepared to have to have numerous banks do prequals for you almost all the major banks now require that you talk to one of their lenders prior to submitting an offer. But before you actually start looking at homes you need to know what you can afford and so you are on the right tract, get approved first then look. I hope this helps.
West USA Realty