If you didn't already know, the US Government does not make a practice of advertising home loans. When you see ads in the paper (or hear them on the radio), they're ads created by private lenders -- not the Feds.
It seems that there's been some confusion about this issue, and regulators are working to reduce that confusion. They're going after lenders who mislead consumers by pretending to be part of a government agency. Lenders with official sounding words in their titles (such as "Federal") or who use official government-like logos are under especially close scrutiny.
Keep in mind that lenders can help you use government-sponsored programs, but your lender is also part of a business that's trying to make money. If they're not up front about this fact, it's more likely that they're hoping to take advantage of you. Use extra caution with companies that try to look more legitimate by trying to associate themselves with the US Government.