Do You Need a Real Estate Agent to Buy a House?

You don’t need a real estate agent to buy a house even though it’s one of the biggest financial decisions you make. While some buyers opt to go through the process alone, the vast majority choose to work with a real estate agent. In fact, according to 2024 Zillow research, about 85% of home buyers use an agent to shop, search and purchase their home.

Benefits of using a real estate agent

A 2024 Zillow survey revealed that 56% of buyers who used an agent said their agent was the most helpful resource in their home-buying experience. While you don’t need a real estate agent to buy a house, most buyers rely on an agent for support. The process requires extensive research, scheduling inspections, negotiating with sellers, and handling paperwork. A great agent can provide expert guidance, streamline the process, and help you avoid costly mistakes. Here are some of the top benefits of working with a real estate agent.

1. Can search and find homes for you to tour

Buying a home can be emotionally and financially stressful. You may already be searching for homes on Zillow. An agent can help refine your choices. They consider your feedback and must-haves, and combine that information with their market knowledge to suggest the best options. Agents also help manage expectations and highlight properties you may not have otherwise considered.

2. Can spot red flags when touring a home

Experienced agents know how to spot warning signs and can identify potential issues like water damage, termites, or structural concerns, preventing costly mistakes.

3. Can help prepare a fair and competitive offer 

Real estate agents use comparative market analysis (CMA) to determine a fair offer price. Without this expertise, buyers might unknowingly overpay or submit offers that are too low, making negotiations more difficult. An agent will ensure your offers are competitive and reasonable based on the market.

4. Can help negotiate offers and contingencies

Without an agent, buyers must negotiate directly with the seller or their agent, which can put them at a disadvantage. Professional agents know how to frame offers, request contingencies, and secure the best possible terms for their clients.

5. Can explain contractual terms and jargon

Home purchase agreements contain legal jargon and detailed contingencies. Without an agent or real estate attorney, buyers may overlook critical contract terms, leading to costly mistakes. An experienced agent provides support by negotiating and drafting contracts, advocating for your best interests, and ensuring transparency and compliance with legal disclosures.

6. Can coordinate inspections and negotiate repairs 

Agents help coordinate inspections and negotiate repairs or price reductions based on the findings. Without an agent, buyers might not know what issues to prioritize or how to leverage inspection results in their favor. Agents manage deadlines and coordinate with escrow officers, loan officers, and inspectors to ensure a smooth closing.

7. Can refer you to other real estate experts

Real estate agents have networks of inspectors, mortgage brokers, and contractors, which can help expedite the home-buying process. Of pre-approved buyers surveyed, 61% said they used a referral from a real estate agent, realtor or broker when looking at financing options. Their network of home inspectors, legal services, and contractors may also lead to cost savings and peace of mind.

Buying a home without a real estate agent 

Since you’re not legally required to buy a home with an agent, some home buyers choose to go through the process solo. One of the top reasons is to save money on commission fees. Others may opt out if they are buying from a family member, have a trusted real estate attorney to guide them, or have experience purchasing multiple properties in the past. 

If you decide to proceed without an agent, these steps can prepare you for the home buying process. These steps come after you are pre-approved for a mortgage, have researched neighborhoods, and zeroed in on a house you want. 

1. Make an offer

Once you find a home you want to purchase and have reviewed the seller’s disclosure, you need to research fair market value and draft an offer to purchase that includes contingencies. If the seller has an agent, you should be prepared to negotiate directly.

2. Hire a real estate lawyer

Hiring a real estate lawyer is a critical next step. Some states require an attorney to finalize the home sale. Even if it’s not required, legal guidance can prevent costly mistakes.

3. Have an inspection done

After the offer is accepted, you need to arrange for a home inspection to uncover any potential issues with the property. Inspections help identify necessary repairs and provide leverage for negotiations.

4. Negotiate terms with the seller

If problems arise during the inspection, you’ll need to negotiate terms with the seller. This can include requesting repairs, negotiating a price reduction, or asking for reimbursement for future repairs. If an agreement cannot be reached, you may have the option to cancel the sale.

5. Have a lawyer review the paperwork

When you reach an agreement with the seller, it’s time to close on the home. Before closing, have your lawyer review all paperwork to ensure everything is legally sound. One major benefit to having a lawyer review contracts is to advise whether everything protects your interests. 

6. Prepare for closing day

On closing day, you’ll need to bring necessary items, including cash-to-close, proof of homeowner’s insurance, and a government-issued ID. You’ll sign agreements related to purchase,  mortgage financing and property transfer. Having an attorney present is recommended to ensure a smooth transaction.

When to consider using a real estate agent

While buying a home without a real estate agent is possible, it requires significant effort and legal oversight. Most buyers find that working with an agent simplifies the process, provides peace of mind, and ultimately leads to a better home-buying experience. If you’re a first-time homebuyer or concerned about tackling the home buying process on your own, consider hiring an agent. We have local Premier Agent partners who can help you navigate the process and find a home you love.

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