Well, no one should rush into buying a home, afterall, it' s not like buying a coat that you can return if you decide you made the wrong choice!
Basically, though, you answered your own question - you said: " I want to wait until..........etc.".
Ok - so wait!
I don't know how long you have been looking, or how comfortable you are with the buying process as yet......but no agent should rush you into makinf an offer.
That being said - it shouldn't really take that long to speak with, and be pre-approved by a lender, especially if you're working with an agent who can recommend some good mortgage reps.
I do suggest you use someone who is referred to you.
Overall - you may just not be ready to move forward, and that's ok.
It's fine to take your time before you jump in with an offer......just make sure you won't regret holding back if the house sells before you're ready.
If it does - there will always be another house!
Only you can tell if you're ready.