Agents and Lending for first home.

[Anthony Golden]

I've been on the hunt to buy my first home using a 3.5% FHA loan that I've been pre-approved from by my lender. I feel as though my agent isn't aggressive enough and when I have a suggestion about strategy or share a property I'm interested in they kind of shut it down. I've noticed that they end up showing me houses that cost a bit more than the ones I'm showing them.

I understand it’s about the monthly rate more so than the overall price, however, I’d like to have less of a down payment on the front end so that I can start investing in an investment property quicker.

My thought is that the agent is pressing the more expensive homes in order to receive a higher commission but I don’t want to speculate. We’ve been getting crushed on offers for 3 months. I’m curious if one even needs an agent in order to utilize the loan from the mortgage company.

Thank you!