Some insurance agencies may push back or need to insure for slightly above ACV, but you will still be saving a good bit going that route. 

If i need to get my own mailbox &psy myself to register my address, im definitely telling my landlord"actually the leasing agency" that the amount for those two things is coming out of my rent.

Hello Matthew, I am a real estate investor, developer and I own a buyer's agency in Tulum and the Riviera Maya.

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. 

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

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. 

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.