can save you thousands in commissions—especially with today’s rising home prices. Therefore, if you’re looking to bypass traditional agents, this guide walks you through it, step by step.

7 Steps on How to Buy a House Without a Realtor in Rochester 2025

1. Get Pre-Approved for a Mortgage

To start, a mortgage pre-approval gives you a clear estimate of your loan eligibility. In other words, it strengthens your position as a serious buyer.

Besides that, it narrows down your home search to properties within your budget. As a result, you receive a pre-approval letter that shows sellers you’re financially ready.

2. Search for a Property

Once pre-approved, it’s time to look for homes that fit your criteria. For instance, you can explore neighborhoods that match your lifestyle and commute preferences.

In addition, platforms like Houzeo list thousands of FSBO and MLS properties. Similarly, local newspapers and community boards may advertise hidden gems.

3. Get Seller’s Disclosure

Next, request the seller’s disclosure, which outlines any known defects or issues. This legal document helps you avoid buying a property with serious hidden problems.

Moreover, you’ll gain insights into the condition of the roof, foundation, plumbing, and HVAC. Above all, full transparency reduces surprises post-purchase.

4. Submit Your Purchase Offer

After finding the right home, you’ll want to submit an attractive offer. Therefore, analyze comparable prices and how long the home has been on the market.

Then, include contingencies for inspection and appraisal. It’s also wise to consult a real estate attorney to ensure legal compliance and protect your interests.

5. Hire a Home Inspector and Get an Appraisal

In addition, schedule a professional inspection to assess the home’s condition. For example, check for structural integrity, mold, roof damage, and electrical issues.

Appraisals are equally important. They determine the property’s fair market value and help finalize your financing.

6. Negotiate With the Seller

After inspections, it’s time to negotiate. If major repairs are needed, you can request repairs, credits, or a price reduction.

However, stay flexible. In conclusion, good communication ensures a smooth negotiation process.

7. Secure Financing and Close the Deal

Finally, your lender will issue a closing disclosure. Review the terms, including the loan amount and interest rate.

While closing, some states—including New York—may require an attorney. They’ll ensure all documents are properly reviewed and signed.

In the end, you’ll get the keys and officially become a homeowner.

Homes for Sale Under Specific Budgets

Homes Under $100K Homes Under $150K Homes Under $200K Homes Under $250K Homes Under $300K Homes Under $350K Homes Under $400K Homes Under $450K

Pros and Cons of Buying a Home Without a Realtor

✅ Pros

Cost Savings: You avoid the 2.5–3% buyer’s agent commission. On a $300,000 house, that’s $7,500–$9,000 saved.

Full Control: You manage your search, priorities, and communication directly with sellers.

Direct Negotiation: You speak for yourself. Therefore, your preferences and concerns are clearly heard.

❌ Cons

Limited Access: Without access to the MLS, your home options may be fewer.

More Paperwork: You must handle contracts, disclosures, and filings without professional help.

Time Investment: Research, scheduling showings, and follow-up will all fall on your shoulders.

Should You Buy a House Without a Realtor in Rochester?

Yes—How to Buy a House Without a Realtor in Rochester 2025 can be a smart move financially. Above all, it offers more control and flexibility.

However, educate yourself on contracts, property disclosures, and inspection expectations. Additionally, consider legal support to protect your transaction.

In conclusion, skipping the Realtor can work if you’re well-prepared and supported by the right tools and platforms.