How to Buy a House Without a Realtor 2025
The keyphrase "how to buy a house without a Realtor 2025" isn't just a search trend—it's a financial strategy. With the average U.S. home price sitting at $442,525, a 3% buyer agent commission can cost over $13,000. That’s a huge sum you could reinvest elsewhere.
According to recent studies, nearly 50% of new buyers are considering bypassing agents altogether. Why? In addition to saving money, going solo offers more autonomy and transparency throughout the process. Let’s walk through the 7 essential steps to buying a house without a Realtor in 2025.
1. Get Pre-Approved for a Mortgage First
Before browsing listings, secure a mortgage pre-approval from your lender. This verifies your buying power and makes your offer more attractive to sellers. Moreover, it helps you narrow your property search based on budget, location, and home type.
Tip: Compare lenders using tools from Bankrate or NerdWallet.
2. Search Homes Without a Realtor Using FSBO and Flat Fee MLS Listings
Use platforms like Houzeo, Zillow, and Realtor.com to find homes listed by owners. Sites like Houzeo offer powerful filters, street view, and direct seller communication—great for buyers skipping the agent.
Explore neighborhood stats, crime data, and schools via GreatSchools or City-Data.
3. Review the Seller’s Property Disclosure
In most states, sellers are legally obligated to share known issues through a disclosure form. These may include structural flaws, HVAC concerns, termite history, lead paint, or flooding.
Ask for:
- Foundation inspection details
- HOA rules (if applicable)
- Utility cost history
In New York, seller disclosure requirements vary. Visit the NY Department of State for regional regulations.
4. Make an Offer Without an Agent
After researching recent comps (comparable properties), draft your offer. Include price, contingencies (inspection, appraisal, loan), proposed closing date, and any requests for seller concessions.
Important: Hire a local real estate attorney to review or draft your purchase contract. In some states like New York, legal representation is required for closing.
5. Schedule a Home Inspection and Appraisal
Arrange for a licensed home inspector to assess the property. Inspections typically cost $400–$700 depending on square footage. Issues uncovered—such as mold, foundation damage, or faulty wiring—can affect the sale.
Next, your lender will order an appraisal to determine the home’s value. If it appraises below your offer, you can renegotiate or walk away.
6. Negotiate Repairs or Concessions
Based on the inspection report, request repairs, a credit, or price reduction from the seller. If they refuse, decide whether you’re comfortable taking on the repairs yourself.
This step is crucial when buying a house without a Realtor. Therefore, lean on your attorney or use online templates like those from LawDepot for formal counteroffers.
7. Finalize the Purchase and Close
After securing financing and clearing contingencies, it’s time to close. You’ll sign your closing disclosure, loan docs, deed transfer, and title paperwork. Funds are typically transferred via escrow or a title company.
Pro tip: Ask your lender for a closing checklist to ensure you have all paperwork, IDs, and funds ready.
Pros and Cons of Buying a House Without a Realtor
Pros:
- Save 2.5%–3% on commission
- Direct communication with sellers
- Full control over property search and negotiations
Cons:
- Limited access to private MLS listings
- More time-consuming
- Higher chance of legal or contractual mistakes
Should You Buy a House Without a Realtor in 2025?
In conclusion, buying a home without a Realtor in 2025 is completely doable—especially with digital platforms, flat fee MLS services, and professional legal guidance. It requires preparation, but the cost savings and control are worth it for many savvy buyers.
Remember, if you’re confident handling negotiations, disclosures, and due diligence, skipping the Realtor could save you thousands.
Explore FSBO listings and start your home search with Houzeo
Frequently Asked Questions
Can I buy a house without a Realtor in New York? Yes. While it’s common to use Realtors, New York buyers can legally purchase property on their own. Legal representation is highly recommended for closing.
How much can I save without a Realtor? On a $442,000 home, skipping a 3% buyer agent fee could save you approximately $13,260.
Where can I find FSBO listings? Websites like Houzeo, Zillow, and ForSaleByOwner.com offer thousands of FSBO homes across the U.S.
Do I need a lawyer to buy a house without an agent? In some states (like NY), yes. Even when not required, hiring a real estate attorney is wise to avoid contract errors and protect your interests.