Should You Use a Buyer Agent?

The Cost Question

Here is the most important fact: a buyer agent is typically paid by the seller, not by you. The commission (usually 2.5–3%) comes out of the sale proceeds. If you skip an agent, the seller keeps that money — you do not save a dime.

So the question is not "can I afford an agent." It is "do I want professional representation that costs me nothing out of pocket."

What a Buyer Agent Does for You

• Access listings: Agents see homes before they hit Zillow and can set up private showings. - Market knowledge: They know what homes in the area actually sell for, not just list prices. - Offer strategy: They help you structure an offer that is competitive without overpaying. - Negotiation: After the inspection, when repairs come up, your agent negotiates on your behalf. - Referrals: Good agents have trusted inspectors, lenders, and title companies they work with. - Process management: They keep the timeline moving and handle problems before they become deal-breakers.

The "For Sale By Owner" Trap

FSBO (for sale by owner) sellers are often harder to negotiate with. They have no agent telling them their price is unrealistic. A buyer agent can be especially valuable here — they handle the communication and keep things professional.

When You Might Skip an Agent

There are scenarios where going without a buyer agent makes sense:

• You are buying new construction and the builder handles the process (though the builder's agent represents the builder, not you). - You have bought 5+ homes and know the process cold. - You are buying from a family member at a known price.

Even in those cases, having your own agent is usually better. In new construction, builder reps look out for the builder. Your own agent catches things like inflated closing cost estimates and overlooked contingencies.

How to Pick a Good Buyer Agent

Interview 2–3 agents before committing. Ask:

• How many homes did you help buyers close last year? - What neighborhoods do you specialize in? - Can you provide references from recent first-time buyers? - How do you handle multiple-offer situations?

Avoid agents who pressure you to offer more than you are comfortable with. A good agent helps you find the right home at the right price — not just any home at any price.

The Bottom Line

For 98% of buyers, a buyer agent is a no-brainer. Free representation, better negotiation, and someone to catch the things you will miss. Do not skip it.