This is a tough time to buy if you need a mortgage. House prices are still kind of high, but loans are skyrocketing. House prices will fall, but if you find "the place", then waiting probably isn't an option. If you have cash, you're in great shape. Check Craigslist or Zillow for what is available, lots to be found using the internet.
The only advice I'd give is that you definitely do NOT want to work with the listing agent if at all possible. Get your own agent.