PHA's administer Sec 8 in many areas, here out PHA is in an inner agency relationship with a non-profit that administers about 1/4th of the state.

Just one example is the inter-corporate communication from Appraisal agencies ordering appraisals from independents, with updates as to conforming to value range adjustments which can change to the market area.

And yes, the Buyer Agency Agreement requirement is troubling. 

Like you said it's more impactful to lower priced area ; state that doesn't offer dual agency and most homes are purchased with FHA/VA. 

I just want to know how much these big box agencies collect in "office fees" alone. 

If you decide to go directly to the listing agent you should understand Dual Agency.

@YaSin AquilThere are some agency lenders who will do loans with FICOs as low as 550. 

I was recently told to go down to the County Clerks office by another Title agency and take everything I have.

I suspect they are flying under the radar of their regulatory agency for now but with the shenanigans you describe, i bet it won't be for long.

There are agencies that upcharge - I have had success with myoutdesk.