No need to look at any property or visit with a realtor until you've had a chance to get pre-qualified with a lender. Of course if you know a realtor, he/she may have a good lender recommendation for you. Trulia and other similar sites may be a great place to search out a solid lender as well. Make sure after you prepare your loan application and information to get approved, get a few opinions. Make sure that you're comfortable with the person you're doing business with. After receiving your approval process then you can start searching for the right realtor. Check the search engines and see who ranks high in the category you're looking for....say single family dwellings in the particular town/county you're searching. Dig deep and once you find the right person, you can actually start viewing homes. Good luck.