Not using a realtor to buy REO -- good idea?

[Pinaki M.]

Hello, I have never bought any REO property before, so I was wondering if it makes sense to use a realtor to do it? What I mean is, I have found a REO property myself (without realtor involved yet) and talked to the bank who is selling it. They told me that they don't use realtor and will not pay any commission if I was using one on my side (which means I will have to pay for that). My questions are

(1) If I don't want to use a realtor and were to make an offer myself, how do I do it?

(2) If I was using a realtor to represent me, wouldn't that realtor also represent the seller (since they said they don't have one)? I mean, this is how it works for FSBO, right? So why is it different in the case of REO?

Thanks.