Can we use any lender, or only participating lenders listed in search results?
This really depends on the guidelines published by the program administrator. If they have a list of participating lenders, it is likely that you'll have to find a lender on that list since many of these agencies require lenders to endure an approval process set forth by the agency. Regardless of whether or not a list is published, contact the agency, or have your preferred lender do so, to ensure that they are either on the list or can be added. The program administrators have final say on this.
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