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Buying a Home Guide

How to Choose a Real Estate Agent

From a Loan Officer Who Works With Them

Pick an agent on four things: track record in your price range and area, clear communication, how well they work with your lender, and a straight conversation about the fee. Interview a few, and get pre-approved first.

By Niko Kramer, Mortgage Loan Officer, Satori Mortgage, NMLS #2180891

Last updated: June 13, 2026

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What does a real estate agent actually do?

A good agent helps you find the right home, negotiate the terms and price, and navigate the paperwork. Those are the three jobs buyers value most, and the data backs up how much they matter.

In NAR's 2025 Profile of Home Buyers and Sellers, 54 percent of buyers said their agent pointed out issues they would have missed, and 76 percent of first-time buyers valued the agent's guidance through the process. Agents were ranked the most useful information source by 85 percent of buyers, ahead of online listings. The listings help you look; the agent helps you actually buy.

What is the difference between a Realtor and a real estate agent?

People use the words interchangeably, but they are not identical. A real estate agent is licensed by the state to help people buy and sell, and works under a broker. A Realtor is an agent or broker who is a member of the National Association of Realtors and agrees to its Code of Ethics. REALTOR is a registered trademark of that association.

A broker has completed additional licensing beyond an agent and can operate independently and supervise agents, which is why you also see "broker vs agent" searches. The point that matters to you as a buyer: all Realtors are licensed agents or brokers, but not all agents are Realtors. The difference is membership and the ethics code, not a different legal ability to represent you. Choose on track record, communication, and fit, not on the label.

Buyer's agent vs listing agent: who works for whom?

A listing agent, also called the seller's agent, represents the seller's interests. A buyer's agent represents yours. The two roles have different loyalties, which is exactly why most buyers want their own representation in the negotiation and the paperwork.

On new construction, the builder's on-site sales agent works for the builder, not for you, so an independent buyer's agent still adds value. Dual agency, where one agent or brokerage represents both sides, is allowed in some states and restricted in others, and it must be disclosed.

What should you look for in an agent?

Look past the billboards and years-in-business and judge the things that actually move your purchase forward:

  • Track record in your price range and area, not just years in the business.
  • Communication style and responsiveness, since this is a multi-week working relationship.
  • How they coordinate with your lender and whether they respect your pre-approval.
  • A clear, plain explanation of the buyer agreement and their fee.
  • References from recent clients you can actually contact.
  • Honest expectation-setting on price, timeline, and cost.

How do most buyers find a good agent?

Referrals dominate. 43 percent of buyers used an agent found through a referral, and 18 percent used an agent they had worked with before. Treat a referral as a strong starting point, not a substitute for interviewing two or three agents and confirming fit for your specific price range and area. Source: NAR 2025 Profile of Home Buyers and Sellers.

What changed in 2024, and why you now talk fees up front

Since August 17, 2024, a buyer working with an MLS-participating agent signs a written agreement before touring a home, disclosing the agent's fee. So the compensation conversation now happens up front by rule.

Two of my related guides go deeper on the mechanics.

Go deeper: The NAR Settlement, Explained, How Real Estate Commission Works .

Red flags to watch for

A few warning signs tend to predict a rough transaction. Any one of these is worth a pause:

  • Pressure to rush or to skip the written agreement.
  • Vague or evasive answers about compensation.
  • Poor responsiveness during your search.
  • Dismissiveness about your budget or your pre-approval.
  • Can't clearly explain what the buyer agreement commits you to.
  • No real track record at your price point or property type.

When should you start looking?

Get pre-approved first, then interview agents. A pre-approval sets your real budget, signals that you are a serious buyer, and gives whoever you work with something concrete to plan around. Many first-time buyers say understanding the steps is the hardest part, so sequencing finance first makes the rest smoother.

Key terms, quickly defined

Buyer's agent
An agent who represents the buyer's interests in a purchase.
Listing agent (seller's agent)
An agent who represents the seller.
Realtor
A real estate agent or broker who is a member of the National Association of Realtors and agrees to its Code of Ethics. REALTOR is a registered trademark; all Realtors are licensed agents or brokers, but not all agents are Realtors.
Real estate broker
A licensee who has completed additional education and licensing beyond an agent, and can operate independently and supervise agents. Agents work under a broker.
Dual agency
One agent or brokerage representing both buyer and seller; allowed in some states, restricted in others, and always disclosed.
Buyer-broker agreement
The written contract, required before touring since August 2024, that sets the agent's services and fee.
Referral
The most common way buyers find an agent; a starting point, not a guarantee of fit.
Pre-approval
A lender's assessment of how much a buyer can borrow, best obtained before interviewing agents.

Frequently asked questions

Interview at least two or three, check each one's track record in your price range and area, and judge how clearly they communicate and how well they coordinate with your lender. Ask up front about their fee and the written buyer agreement. Get pre-approved first so you interview as a ready, serious buyer.

For most buyers, yes. The listing agent represents the seller, so a buyer's agent represents your interests in negotiation, paperwork, and problem-solving. NAR data shows 88 percent of buyers use an agent, and more than 9 in 10 would use theirs again. Even on new construction, the builder's sales agent works for the builder.

A real estate agent is licensed by the state to help you buy or sell and works under a broker. A Realtor is an agent or broker who belongs to the National Association of Realtors and follows its Code of Ethics. All Realtors are licensed agents; not all agents are Realtors. The difference is membership, not legal ability.

Referrals dominate: 43 percent of buyers found their agent through a referral and 18 percent used an agent they had worked with before. A referral is a strong starting point, but treat it as the beginning of your interview, not the end, and confirm the agent fits your specific price range and area.

After you get pre-approved. A pre-approval sets your real budget, signals to agents that you are a serious buyer, and gives whoever you work with something concrete to plan around. Many first-time buyers say understanding the steps is the hardest part, and sequencing finance first makes the rest smoother.

Yes, if the agent uses the MLS. Since August 2024 you sign a written buyer agreement, disclosing the agent's fee, before touring a home. You do not need one just to attend an open house or to ask an agent about their services. Read the agreement before you sign and ask about anything unclear.

That arrangement, called dual agency, is allowed in some states and restricted in others, and must be disclosed. One agent representing both sides has divided loyalties, so understand the tradeoff before agreeing. Many buyers prefer their own dedicated representation to keep negotiation clearly on their side.

More in this series

Sources

Get pre-approved before you interview agents.

A pre-approval sets your real budget and lets you walk in as a ready, serious buyer. No credit-pull surprises, just a clear number to plan around.

Get pre-approved