Answer: -Your FIXED rate can't change, but you have to start paying principle after that interest-only period is over. If your loan was 30 years and you paid interest only for the first 10, now you only have 20 years to pay off your mortgage SO your payments skyrocket.You'd better be careful with this kind of loan, if you couldn't afford the house unless you were only paying interest, you shouldn't have bought one. Now you're going to wind up foreclosing on your house just like everyone else. Sucks to be you? -All I know is that your credit has to be excellent to qualify for it, go apply see if you can, they will get more selective as they run low on funds, someone will just buy countrywides loans, you will be fine, try to refinance wells fargo is where we got our loan -I seriously doubt Countrywide will be going belly up... but if they do, your loan will just be sold to someone else, and you will make your payment to a new company... it wont really effect you at all, except for the address you write on the envelope for your payment.There are tons of banks and brokers that are FHA-Approved and they can give you an FHA mortgage.And if you have an interest-only loan, eventually your principle will become due... you need to read what you signed to see if your rate can change, or if you simply have a 20 year conventional mortgage, fixed rate, once the first 10-year interest-only period ends.You should check into a refi into an FHA anyway, because in almost all cases, a 10 year interest only followed by 20 year conventional will end up costing you A LOT more then a 30 year fixed FHA mortgage, because your interest rate is probably over 7%.To answer your question, most banks and credit unions can write a FHA loan, and most mortgage brokers can as well.