Is it unethical to realtor if buyer contacts the seller directly?

[Jacob Barnhart]

A few months ago I was given pre-approval to be a home "much more expensive than the one I was looking at" according to the lender.

So I made an offer on a house and did all the inspections and was close to closing when he let me know he didn't realize both me and the cosigner were self-employed (which we stated months prior). I was taken out of contract on the financing contingency. The home has now been on the market with a realtor for 535 days in addition to being on the market as FSBO since at least 2013, maybe longer.

I just noticed the home owner made a post on Facebook sharing the home listing in one of the "garage sale" groups I follow. So I now know who the owner is and have a way to contact them directly through facebook. Would this be disrespectful to my realtor or the listing agent? I would be contacting them to discuss the possibility of owner financing or any other options they would be willing to negotiate on. As I'm sure you know I could do this through realtors, but it's just much easier to talk to the sellers directly and get my point off more clearly.

[Ryan Murdock]

Originally posted by @Rod Hanks:

If you haven’t signed a buyers contract with an agent you are fine. Go ahead and contact the seller directly.

I'm not sure how it works in Oklahoma but there could still be procuring cause issues if the buyer circumvents his buyer agent, seller agent gets paid the full commission, and buyer agent finds out and then disputes it.

Even if it is "legal" it's just bad business. Don't expect that buyer agent to ever help out again.