Find funding first, or get a contract THEN find funding

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I'm a little confused as to which step I should take first..

1) I could talk to a few mortgage brokers in the area, tell them roughly the amount I would be buying a property for, and see what kind of financing I could get..or

2) There is a great deal near my house that I will be getting a call about either today or tomorrow. If it is as good as it sounds, I want to fax the guy a contract that would be contingent upon me getting favorable financing and complete inspection of the property

This is the problem. I'm only 20, have very little money, and although my credit is very good for my age, it's probably only about average..which would get me nowhere with a bank. I would pretty much need to get 100% financing on about a 130k property and have the seller pay closing costs and attorney fee's (which I would put in the contract)

I have enough money to get an appraisal, contractors inspection and those types of things..but after that I would be broke

If anyone can advise me on what would be good to do, please let me know ...thanks in advance