You should also be working with an agent on your side to find the right property, the right seller and structure the purchase contract properly.
Everybody answered assuming you had to use conventional "bank" financing. There are other ways to buy a home than just hope a bank will give you the money.
I am a broker in Tallahassee. Please check out my blog link below and feel free to contact me if you would like to be in a home in the next month or two.
As of now you need to close by Dec 1st to qualify for the tax credit, but my gut tells me that someway, somehow the tax credit deadline will be extended.
Best of luck