First deal - when to make offer vs. financing?

[Pete McPherson]

Thinking about submitting a lowball offer on a property, though I haven't spoken to anyone about financing.

At what point in this process should I be talking to a bank (I think a normal bank loan/mortgage would be my best option)...and exactly how far do I need to go in that process BEFORE I submit an offer?

[George Hermann]

Well, here in New York you have to show proof of your ability to finance the deal along with your offer. I would not even look at an offer without it.