Should I Buy a House Without a Realtor?

By: ROS Team

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Realtors are market insiders and can work wonders for the client. However, if you think hiring them is inevitable then you are mistaken because that is not the case. You can still find and buy a new home without a realtor’s help–it just requires more work and time on your part.

It’s usually the seller who has to budget for the realtor or agent’s commission on behalf of themselves and the buyer. However, sellers are notorious for adding in the commission in the home price and ultimately the buyer pays it.

Should I Buy a House Without a Realtor?

Tips for Buying a House Without a Realtor

1. Ask the Seller’s Agent to Assist You:

You have decided not to hire a realtor, but the seller would likely hire one. When you finally decide to buy a certain property, there’s no harm in asking the homeowner if their broker can represent you as well. Most of the time sellers agree to it.

You may even offer to split the commission with the seller. If you can get the seller’s agent to represent you, you may also be a lot more comfortable with the work the agent puts in to strike a deal.

2. Getting Mortgage Documents Prepared:

If you choose not to ask the seller’s agent about taking you on as a client and want to go at it alone, mentally prepare yourself: The process will likely consume your time and energy.

First things first, prepare your mortgage documents. Did you get pre-approval? It would involve less work if you know how much you can borrow from the lender. If not, reach out to banks to see how much home you can afford.

You will be required to submit proof of your income, credit score, and income tax returns. Once you secure a home loan mortgage, you’ll have a better idea of what your budget should be once you purchase the house.

3. Find Your Dream Home:

Once you know how much house you can afford to buy, you should then narrow down your search to those houses that fit within that price range.

Search for houses online; there are plenty of websites and real estate apps that cater to buyers. Filter out properties that exceed your budget.

4. Seek Information About Similar Homes in the Neighborhood:

Now that you know how much you can afford, you’ll need to do a market analysis to confirm that the seller’s price for the home is reasonable. For that purpose, you can view or visit recently sold homes in the vicinity of the house you want to buy and research their sales prices. Seeing the final sales prices of surrounding houses will give you an idea of whether the seller’s asking price is fair.

Seek information about similar homes in the neighborhood:

5. Hire Professionals for Inspection:

You may visit the property personally but you need to hire professionals for the house inspection. It doesn’t make sense to focus on saving a few dollars when you are making such a big investment.

Finding out about potential major flaws after the deal would break your soul. Therefore, it’s in your best interest to get to know every detail of the house, flaws and all.

Hire an experienced inspector to walk the property. Believe me, it is worth every penny.

6. Hire a Real Estate Attorney:

You will be required to hire a real estate attorney to represent you in closing the deal. Your attorney may take over from here and would handle all the legal paperwork necessary to transfer ownership of the property to you.

Tips for Home Buying without a Realtor:

  • Be familiar with the market value of surrounding homes.
  • Have a contingency plan so that you have other options if things with one of your choices go sour or you start to feel uncomfortable at any stage of the deal.
  • Do not compromise on getting a home inspection before closing the deal.
  • Hire an attorney to handle the legal aspects of the deal.

 Tips for Home buying without a realtor:

Reasons for Buying a House Without a Realtor:

Buying a house without the help of a realtor requires more than mere knowledge of the market. You need to have strong negotiation skills and confidence in your ability to execute a legal deal.

The most common reasons why people choose to buy property without a realtor are:

  • You are buying from your friend or family.
  • You had an idea of the price of a specific home you wanted to buy for a long time.
  • You have already hired an attorney to manage the legal aspects of the deal.
  • You are a seasoned buyer and know the process well.
  • The seller has decided to pay the buyer’s agent commission.

 Reasons for buying a house without a realtor


How hard is it to buy a house without a realtor?

Buying a house without a realtor can be challenging and complex. It requires significant knowledge of the real estate market, legal processes, and negotiation skills.

What documents do I need to buy a house without an agent?

When buying a house without an agent, you typically need an agreement of purchase, proof of financing, and all the necessary documentation for inspections, title, and closing.

What are the advantages of buying a house without a realtor?

Buying without a realtor may save you on commissions, provide more control over the process, and potentially allow for direct negotiation with the seller.

What are the disadvantages of buying a house without a realtor?

Disadvantages include limited access to market listings, potential legal and financial risks, added complexity in paperwork and negotiations, and less expertise in navigating the buying process.

How can I educate myself before buying without a realtor?

Conduct thorough market research, study local laws and regulations, understand financing options, and consider consulting real estate professionals or attending workshops to enhance your knowledge.

Do I still need a home inspection and appraisal without a realtor?

Yes, it is crucial to conduct a home inspection to assess the property’s condition and an appraisal to determine its value, even when buying without a realtor.

Can I negotiate the purchase price without a realtor?

You can, of course, negotiate the purchase price directly with the seller or their representative; however, keep in mind that the seller or their representative may have more negotiation experience.


Although it’s not required, there are real benefits to having a realtor. But if you are determined to buy a home without a realtor, do your due diligence to ensure you are getting the most bang for your buck.

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