Keith Riley's Blog
Why Working with a Real Estate Agent Matters – A Lender’s Perspective
Seasoned loan officers consistently emphasize one key piece of advice to homebuyers: work with a trusted real estate agent. Whether someone is purchasing their first home or their fourth, a knowledgeable real estate agent can make a noticeable difference in how smooth, efficient, and cost-effective the experience is.
Here’s why working with a real estate agent is such a smart move, straight from the perspective of mortgage professionals who see the full picture:
1. Local Market Knowledge Matters
Online listing sites like Zillow and Redfin are great tools, but they often miss the “why” behind pricing and local trends. A real estate agent brings valuable insight into neighborhood dynamics, property values, and hidden opportunities that online platforms simply can’t offer.
2. They Negotiate on Your Behalf
One of the biggest advantages of working with a real estate agent is having someone in your corner when it comes time to negotiate. From writing competitive offers to negotiating repairs or price adjustments, agents protect their clients’ interests throughout the transaction.
3. They Keep the Process Moving
There are a lot of moving parts in a home purchase—inspections, contingencies, title work, financing, and deadlines. Real estate agents manage the timeline and communication so clients stay informed and on schedule. Their coordination is key to preventing unnecessary delays.
4. Collaboration with Lenders = Smoother Closings
A strong relationship between the agent and the loan officer can make a world of difference. When both professionals are aligned and communicating, the client benefits from a more seamless, less stressful experience from contract to closing.
While it’s technically possible to buy a home without a real estate agent, it’s rarely advisable. The right agent offers more than just property showings—they provide guidance, protection, and advocacy through one of the most important financial decisions of a person’s life.
For those considering a home purchase, finding a trusted lender and agent early in the process sets the stage for long-term success. If help is needed connecting with a reputable real estate professional, many experienced lenders are happy to provide referrals to agents they’ve personally worked with and trust.