I am assuming that you are in the Orlando area (because of your screen name). We have a ton of XF's here. I will tell you that if you want to finance any part of your XF purchase then you will need the job first or at least a commitment letter. If you are in the Orlando area then you can PM me. I am a dealership rep here and work with most of the dealerships in the Central Florida area - once you get that job, we will find you a ride.