Home Financing and Real Estate Agents go hand-in-hand... most properties are acquired via mortgages. Cash purchases account for less than half of real estate transactions in the United States.
Homes can be purchased with 5% or less down - VA loans allow for 100% financing and FHA loans allow for down payment gifts.
There are so many options for home financing that it makes sense for buyers to begin working with their lender-of-choice before they go looking at homes. Great mortgage brokers can counsel buyers to find the best financing option for their individual situation.
Lenders I recommend:
A and N Mortgage Services
The Private Bank
Articles that I recommend you read:
Who Should you Call for a Mortgage Loan? Diane Pyshos, July, 2014