1. A REALTORŪ helps you determine how much home you can actually afford. Often a REALTORŪ can suggest additional ways to accrue the down payment and explain alternative financing methods.

2. A REALTORŪ can help you work out a realistic idea of the homes, can evaluate them in terms of your needs and affordability, and doesn't waste your time on unsuitable homes.

3. A REALTORŪ has access to listing of available homes, can evaluate them in terms of your needs and affordability, and doesn't waste your time on unsuitable homes.

4. A REALTORŪ often can supply information on real estate values, taxes, utility costs, municipal services and facilities, and is aware of proposed zoning changes that could affect your decision to buy.

5. A REALTORŪ acts as the liaison between you and the seller in presenting offers and counter-offers until an agreement is reached.

6. A REALTORŪ can tell you about financing and what personal and financial data is needed when you apply for a loan.

7. A REALTORŪ will help familiarize you with contracts and closing procedures in advance.