Sometimes the market conditions are so favorable to the buyer that it makes economic sense to adjust your timetable. That varies with your particular circumstance. You must be aware of the different types of loan programs that are available to you. Still other loans may have cash assistance options. The key is knowing your options.
All loans have closing costs in addition to the down payment, and again, the cost can vary.
However, if you do find a home and call the agent named on the sign, please keep in mind that this agent is repesenting the seller. While you should receive fair treatment, the seller's agent is NOT representing you, or your best interests. Sometimes, simply finding a potential home can be a difficult process. Sure, you can sell it yourself, but consider that your marketing efforts will generally be reaching a very small percentage of available buyers. Another important aspect is the major concern of a lawsuit.