I want to buy my first house. I will have $20,000 down afer Christmas.Should I go with a broker or independent

I know nothing about real estate. I am temporarily renting with friends. I was on welfare up until June, so that may not look so good to a bank manager, etc. ANy tips on the best way to do this ? Should I keep renting, and save up a larger amount to put down before puting something down ? Any suggestions will be helpful.