A real estate specialist is bound by a Code of Ethics. There are two types of agents. The first is the seller's agent who is an agent for the seller. The second is the buyer's agent that works for the buyers. Both can help you with the transaction. Here's why working with a real estate specialist works for you in terms of your convenience, your budget and your peace of mind:

• A real estate specialist has the most information in one place about what is "on the market," including homes listed by other agents. You won't waste time looking at unsuitable homes.
• A real estate specialist helps you determine how much home you can afford, how you can acquire the down payment and what financing options may be open to you.
• A real estate specialist can help you find the home best suited to your needs: size, style, features, location, accessibility to schools, transportation, shopping, etc.
• A real estate specialist can suggest simple changes that could make a prospective home more suitable for you and improve its utility and value. And your real estate specialist may be one of the many nationwide who have completed a government-approved, residential energy-efficiency program that can work to your benefit.
• A real estate specialist can supply information on real estate values, taxes, utility costs, municipal services and facilities.
• A real estate specialist has no emotional ties to a home, can be objective about it and can point out its advantages and disadvantages.
• A real estate specialist acts as a liaison between you and the seller to present offers and counter-offers until an agreement is reached.

Buying a home is one of the most crucial financial transactions of your life. In what can be a confusing and sometimes difficult process, it pays to leave as little to chance as you can. But with the help of a professional, you can navigate unknown territory with ease.