Yes, you will and Yes you should.
If you do not have the money saved for a down payment, it is most likely that now is not the right time for you to buy.
There are exceptions and you may be one.
Here is what I would recommend.
Get your finances in order so that you will be ready, able and willing to buy the house you want, NOT the house you think you can afford today. Start with consulting with a local lender. A lender who has a history of investing in the community. These are 'A' And "B' graded lenders. The big banks, who rob the community through late fees and add on charges, you will discove,r are "F" graded lenders.
When you consult with an "A" or "B" graded lender, let them know your home purchase plans. If you do not have an idea regarding the price of a home that meets your requirements, a real estate pro can help.
The local lender will advise you regarding how to be financially prepared with the right level of debt and sufficient savings. The plan they lay out will also have a time line that will indicate when you should start looking seriously for a home. Simply enter your city or zip code and select the "A" or "B" graded lender of your choice.
Now, go to: http://www.BankingGrades.com
Take note of the West Palm Beach real estate professional who respond to your question. You will want to give one of the a CALL when the time is right. That could be right now.
Don't use that 'contact' link.
Don't rely on Trulia email.
Go old school and call,
but only if you are serious.
Best of success to you,
Annette Lawrence, Broker/Associate
Remax Realtec Group
Palm Harbor, FL