Questions on FHA/FNMA loans

[Glenn Mayo]

Alright. I've heard that FHA guarantees loans for 3.5% down, even to buyers with weak credit. I've also heard that there's another kind of loan called an FNMA Homestyle loan, and that the USDA also offers zero down loans to rural areas. My question is, how do you go about getting those loans? What's the procedure for securing these loans and finding properties? Do you just go to a real estate agent and say, "Hey, I'm trying to buy a house with an FHA loan" and they do the rest, or what? As you can tell, I'm pretty much clueless on this, so any and all information would be greatly appreciated.