Congrats on the job!. All of the advice that you have read is 100% correct. What I'd like to ask is are you a First Time Homebuyer? If you are, there are programs available that will assist you with your down payment and closing costs. You can get $20,000, $30,000 or more (depending upon your income, household size, etc.). I am part of Weichert's Down Pament Assistance Team and we work, extensively, with First Time Homebuyers and getting them as much Down Payment Assistance as is available. The first step is to get pre-qualified, or better pre-approved.
If you are looking for a bank owned property, or Short Sale, they often need repairs, which the bank is not willing to pay for. There are programs that will allow you to repair the property and pay the money back in one payment, with your mortgage.
I would welcome the opportunity to assist yo getting the purchase of your home. Whether you choose me, or another Licensed Real Estate Professional, if you are a First Time Homebuyer, make sure they are experienced in the Down Payment Assistance process. I have spoken at numerous Down payment Assistance Seminars and the guidelines are specific.
Good Luck and please call me at (407) 749-9599, or e-mail me at email@example.com, if I can be of any further assistance. Thanks, Pat