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I don't think many lenders are anxious to lend to people with zero current income, so I would definitely recommend finding a good job before contacting a lender. If you read through the FAQ, you'll find that it's a good idea to find a lender before talking with the seller (because your pre-approved lending amount / statement is a good negotiating tool). Buyers agents can be very helpful as the seller's realtor will naturally be looking after the seller's interest, but if you already know the exact house you want to buy, a full-service buyer's agent might not be for you. FAQ has more info. Your bank account's bank is not necessarily the best place to get a loan.

Long story short, the FAQ can help you with many of your questions.
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