Buying a Home Without an Agent — What You Need to Know
Yes, you can purchase a home without using a real estate agent. But in today’s market, where buyers are typically responsible for paying their own agent’s commission, the decision is less about cost savings and more about whether you’re comfortable navigating the process alone.
✅ Pros of Buying Without an Agent
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Potential Cost Savings on Commission: Since buyers now often pay their own representation, going without an agent may save you that expense. However, any savings need to be weighed against the risks of being unrepresented.
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Direct Access to the Listing Agent: Some buyers prefer communicating directly with the seller’s agent, thinking it may speed up the process or give them an edge in negotiations.
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More Control Over the Process: Experienced buyers who understand contracts, inspections, and disclosures may feel confident handling everything themselves.
⚠️ Cons of Buying Without an Agent
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No Dedicated Representation: The listing agent’s fiduciary duty is to the seller. Without your own agent, you have no one solely advocating for your best interests.
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Complex Legal Paperwork: From disclosures and inspection reports to contingencies and addenda, real estate transactions in San Francisco and Marin involve dozens of documents. Errors or omissions can be expensive.
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Negotiation Challenges: Buyer’s agents know how to structure offers, negotiate credits or repairs, and compete effectively in multiple-offer situations. Without that expertise, you could end up overpaying or missing opportunities.
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Lack of Guidance and Resources: A buyer’s agent connects you with trusted inspectors, lenders, and escrow officers and helps spot red flags (unpermitted work, HOA restrictions, title issues) before you commit.
🏡 The Bottom Line
You can buy a home without a real estate agent, but unless you’re highly experienced, the risks often outweigh the potential cost savings. In competitive markets like San Francisco and Marin, having a knowledgeable buyer’s agent can protect your interests and help you succeed.
Next Step
If you’re considering a purchase, let’s talk about your goals and whether representation makes sense for you. My role is to make sure you’re protected, informed, and positioned to make the best possible investment. Get in contact with me, and I will send you my Buyer's Guide!
Contact Information:
Oliver Burgelman
📞 415-244-5846
