How Can You Buy a House Without an Agent?

How Can You Buy a House Without an Agent

Buying a home is a dream. To make that dream come true, you must start to buy a house without an agent from scratch.

While it may not be for everyone, buying a house without an agent is possible. Whether you are thinking of buying an investment property or a first-time homebuyer, here are questions to ask when buying a home without a real estate agent and what to look out for when exploring the residence market on your own.

Most homebuyers face a relevant dilemma: whether it is better to go independent than to rope in a real estate agent. While broker assistance has historically been a reliable way to move through the home buying cycle, bypassing these brokers has helped a few intelligent home buyers save on that extra cash spent on their fees.

While an agent can assist you in finding a home that meets your needs and matches your budget and lifestyle, negotiating a price with the seller, and performing a home inspection, it can also be dangerous to act entirely independently of others in the market.

Whether you plan to buy a house without an agent or an agent, both options have advantages and pitfalls. Before finalising one, you need to consider both buying strategies’ pros and cons.

Why should you consider buying a house without an agent?

If you are thinking the other ways of buying a house without hiring an agent, you are not the only one. Many people are considering purchasing a home without hiring an agent for cost-relief purposes and many more You can buy a house without an agent if:

  • You have a good experience buying houses and feel comfortable bearing the lengthy procedure and paperwork.
  • You have worked as an agent.
  • Your close friend or family relative is a real estate agent and can suggest appropriate deals.
  • The seller won’t spend money on your agent, and to use your money in the right place, you don’t need to waste it on agents.

You’ll improve your odds of comfortably buying a house without an agent if you have proper and organised paperwork, such as verification of finances or a pre-approval letter from a creditor.

Why is it beneficial to buy a house without an agent?

Anyone with a deep knowledge of buying a house can buy a house without an agent. You can independently close on the right home with the confidence of navigating a business backed by factual data. Some common scenarios where it is safe to sidestep a broker are:

Agents can be futile

Sometimes real estate agents don’t get involved in the case; they stop by for visits, sign a few papers and go home with their commission. It is your responsibility to make your broker work! The mere fact of using a broker when buying a new property is not enough to make full use of his expertise. Make sure he knows the surrounding projects well, ask about the progress and try to be as specific as possible.

Responsibility of research

Today, most buyers do their research online. Online sites can help you identify projects that may suit your needs and wants. If your broker does not seem to be listening to your needs, it may be because they are not looking. In the end, if you do not ensure that it works intensively and purposefully, it may not help you. Do your research; it will better equip you to judge what is coming.

A broker is not a lawyer

While not the exception rather than the rule, horror stories about real estate agents exist. For example, when drafting a preliminary contract, be careful about appendices and attachments. Some of these supplements may be illegal. A broker is not a lawyer, but some can not help but add clauses that could turn against you. Always be alert!

Not all agents are reliable and honest

It is similar in all walks of life: some people are dishonest, which is why the laws were written and established and why there is a compensation fund for victims. If it is fair to say that some agents are frauds, we can say the same about promoters who sell new homes. You have to do a quick internet search to find examples of fraud.

Concerns to ask your seller

If you want to buy a house without an agent, you should know what you will buy. You must ask your seller these questions before purchasing a home for better clarity.

About any foundational or structural concerns

If there are structural issues, have they been handled? You should ask them how they have taken care of that concern and what are the possibilities of recurrence. You should ask what the problems were like cracks in the foundation or sloping floors, sticky doors, cracked walls, torn ceilings or anything else.

About community and neighbourhood

The place where you live should be comfortable and peaceful. You should know what the neighbourhood is like, who the neighbours are, nearby locations, schools, hospitals, etc. You should be aware that the area is safe from thefts and burglary.

About the demand for the houses

Ask your seller the time duration of sales of the houses in the area. Why is the property not being sold after being put on the market for so long? You should ask them if they are overpriced, and if so, is he willing to negotiate the price?

About the sale price details

Since you are buying the house without an agent, you are the one who has to negotiate the prices. You can use your bargaining skills to lower the costs or have to pay what is asked. You should ask the seller whether the sales price includes all the appliances, furniture, outdoor play structures, and garden tools.

About the age of mechanical systems

If the seller is providing you with amenities like a furnace, AC, water heater or anything like that, you must ask how old they are, what the warranty is and will you have to pay for the repair and maintenance.

About the property tax on the house

Property taxes generally contemplates the valuation established on the property by the municipality. However, understanding how much this yearly periodic cost is may affect your purchase decision.

Steps to buying a house without an agent

Step 1 – Shortlist your most preferred property

  • Once you’ve decided on a city and preferred residential area to buy a home, it’s time to start looking for real estate.
  • Use real estate search websites to help you with your search—Shortlist properties that appeal to you based on your location, budget, configuration, and purchase date. Agents often make false claims on property search websites, so be wary of them.
  • Make it a point to get in touch directly with the builder’s sales team to provide you with accurate property details.
  • You can check the respective state’s Real Estate Regulatory Authority (RERA) website to inspect the property’s details and the builder’s credentials.

Step 2 – Visit the shortlisted properties

  • After selecting the properties, it is ideal for viewing the property in person to ensure that the details shown on the website exist.
  • Find out if the social infrastructure in the area meets your expectations to buy a house without an agent.
  • Meanwhile, on the digital front, you can visit builders’ social media pages and real estate review sites to check the feedback and ratings received by the project where you decide to buy a house.
  • Finally, sort the selected properties according to your preferences.

Step 3 – Finances

  • To streamline the home buying process, builders have started taking responsibility for helping buyers with all the financial implications. A customer-centric builder can help you secure home loans at the best interest rates available in the market and deal with capital gains tax on the sale of your old property, stamp duty and registration fees.
  • Negotiate the terms of the final offer with the seller, omit the agent’s share of the offer price, and consult with a lawyer to get all of these terms in writing.

Step 4 – Checks and Assessments

  • After you make your final offer, there are a few analytical tasks to take care of, such as a home inspection. A real estate agent usually arranges property valuations by inspectors, but you can consult one yourself to buy a house without an agent.
  • The seller would be more inclined to have his property inspected and any discrepancies removed, as he would not want to point fingers at him later. So the seller can offer to pay for the same.
  • After a thorough inspection of the property, the home inspector must prepare a comprehensive and complete written report on the property, free of any editorial or opinion sentiments.
  • Getting a home inspector’s recommendation from a friend or relative is more accurate.

Step 5 – Closing the purchase

  • Agree on a payment procedure with the builder or seller, complete the home loan paperwork and finalise the booking amount.
  • You will then receive an allotment letter with relevant details of the property, such as house/flat number, area, date of possession etc.
  • Once you sign the contract of sale with the builder or seller, you get legal property ownership.
  • This step of the home buying process involves the most paperwork; this is where your attorney comes in handy.

Do you need an agent available for assessments and inspections?

A licensed agent is usually required to be present for home inspections or the appraisal process and is typically the buyer’s agent. You may be able to get the listing agent to agree to be on these tasks to close the deal. Again, everyone is different; some agents are happy to go the extra mile to close the deal, while others will insist on at least a partial reduction in the amount that would get paid to your realtor.

Advantages of hiring a broker

The thought of paying a percentage of the sales price as brokerage fees may make you wonder if you should save money by finding the home yourself.

However, finding the home that is perfect for you can be a lengthy process. After visiting a few homes listed for sale in the classifieds, you will realise the usefulness of hiring a realtor.

If you are a first-time home buyer, navigating the steps involved in buying a home can be pretty challenging and consulting with an agent may be a good idea. It is not any harm to consult an agent if you are not going to buy a house without an agent. Some of the reasons why hiring an agent might be beneficial for you are:

  • You save time
  • You save money
  • You negotiate better contracts
  • You will reduce your stress level

Employing a real estate agent is equally profitable for sellers and landlords:

  • Dealers and landlords also get valuable hours back
  • It saves money in the long run
  • They can negotiate better contracts with tenants
  • Your stress level decreases


Buying your first home is a transformative experience and a crucial milestone in your life, but you should always consider all aspects of the purchase. If you are considering buying a house without an agent plan and getting your finances in order, compare home loan interest rates from different banks and consult a reputable real estate lawyer. With good planning and execution on your part, you will never feel the need for a broker’s help throughout the process.

Now, if you’ve decided to buy a house on your own, without a real estate agent, you’ll have to do the house hunting yourself. So the first thing you need is a home buyer checklist. It will tremendously help you narrow down your priorities and put you in a better standing to make an informed decision.


Why should you buy a home without an agent?

There are several reasons for this, but most importantly, it will save you money.

Can you trust a real estate broker?

It is sometimes very smooth with the broker, but they are not as honest as they sound.

How can you buy a home without an agent?

It is simple. Select your desired home, check your budget, talk to the lawyer, inspect the property, and seal the deal.

Is buying a home without an agent a good option?

There is no exact answer for this, and it differs from person to person. Some people can get home without help, and some only want the results, so they hire one.

Can you buy an FSBO (for sale by owner) home without a real estate agent?

Yes, but remember that every home purchase is exceptional, and you&’ll have a few added burdens when taking the solo home buying process.