Your question in regard to a house that you cannot buy is a good example of why you should be working with a Realtor if you are serious about buying a home.
An experienced local Realtor will sit down with you and discuss the criteria for your desired home. Your Realtor will help you to find appropriate financing, if needed. Your Realtor will show you homes; help you put together an offer when you find the home that is right for you; negotiate with the seller on your behalf; help you through the escrow, inspections, and full loan approval process; explain and assist you to understand the closing documents and closing process and â€“ wonderful time for all â€“ hand you the keys to your new home when escrow is closed.
And â€“ this is the really good part â€“ the cost of all of the professional help and guidance from your Realtor is almost always paid by the seller!
How to find a Realtor? Wellâ€¦you can certainly do worse that talking to those on Trulia who are will to answer your questions.