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How To Shop For A Loan Home Finance Companies Best Way To Apply For A home loan construction loans: Which Type Is Best & How to Apply? – Lenders have a lot of discretion and differing policies on construction loans, so your best bet is to check with a loan officer at the bank(s) where you plan to apply. Also FHA and other loan programs often specific requirements for income verification.First Time.Home Buyer Loan Qualifying as a first-time home buyer opens you up to a range of programs that can expedite your path to homeownership, and the status isn’t necessarily restricted to those individuals who have.