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It sounds like you're saying that you would enlist a realtor, but still look on your own and try to cut out the realtor if you find something on your own. This will not work. When you enlist a buyer's agent you will sign a contract with them stating that if you purchase any house within the next...

Most rates lower than this will involve paying points as part of your closing costs. Talk to a broker and first get a quote with no points and no origination fees. They will provide you with a Good Faith Estimate of your closing costs. Then get them to run the same calculations with points...