And, more importantly, pre-approval puts you in a good bargaining position. You are not pre-approved for a loan without written certification. They offer a variety of mortgages. And some mortgage bankers offer computerized loan origination networks, which list all mortgage programs, rates and fees offered by a variety of lenders. They will do business with almost any borrower, even those with sketchy credit.
Mortgage brokers work with almost any lender to find an 'appropriate' mortgage for the homebuyer.
And they do all the paperwork. Banks, thrifts, or savings and loans. These traditional mortgage lenders are usually flexible in terms of the agreement. Ask for referrals from your friends and family. You should also ask your home builder about options since most are willing to help you get the best deal possible on a loan.