You will find out what you can afford. You and I may think we know what price range you can afford but actually, that is something only a Lender can tell you. Why bother visiting homes that may be out of your price range? On the flip side, you may be able to borrow more than you thought!
I require a Loan Pre-Approval letter from your lender with any home offer I submit to a Seller on your behalf. This is part of my negotiating strategy. Think about it: If you were selling your home, would you seriously consider an offer from someone who may not be able to get a loan? Would you accept their offer and take your home off the market just to find out later that they can't buy your home? What this means for you as a Buyer is when we submit a Loan Pre-Approval Letter with your offer, it increases your BUYING POWER! Your offer will be considered over those which don't include this letter.
My policy with every Buyer is I will show up to three homes before Loan Pre-Approval is obtained. After that, if you aren't ready to apply for Loan Pre-Approval I would suggest you simply keep having my system send homes to you for viewing online.