2024 NAR Settlement — Buyers Have More Options Than Ever

Buy Your Home Without
Paying a Buyer's Agent

Buyer agents typically charge 2.5–3% commission. BuyerHub shows you how to make competitive offers, negotiate directly, and close with confidence in all 50 states.

$
Buyer agent fee (2.5%)
$10,000
Your cost going direct
$0
50 States$12K avg. saved50K+ buyers guidedFree offer letters

Why Go Direct?

See how buying without an agent compares side-by-side.

FeatureTraditional buyer agentGoing directNo agent needed
Buyer agent fee~2.5%$0
Negotiation controlAgent decidesYou decide
Timeline flexibilityAgent's scheduleYour schedule
Direct seller accessFilteredDirect

How to Buy Without an Agent

Millions of buyers skip the buyer's agent every year. Here's the simplified path.

1

Get Pre-Approved

Secure a mortgage pre-approval before making any offers — it shows sellers you're serious and tells you exactly how much you can borrow. Most lenders issue a pre-approval letter within 1–3 business days at no cost to you.

2

Make a Direct Offer

Submit your offer through the seller's listing agent or a real estate attorney using our state-specific offer letter template. You control the price, contingencies, and closing timeline — no middleman required.

3

Close with Confidence

A title company or licensed attorney (depending on your state) coordinates closing, ensures clear title, and transfers ownership. The process typically takes 30–45 days from accepted offer to keys in hand.

See the full step-by-step guide →

State-by-State Buyer Guides

Find your state's specific rules, attorney requirements, and tips.

AL
Alabama
AK
Alaska
AZ
Arizona
AR
Arkansas
Atty. req.
CA
California
CO
Colorado
CT
Connecticut
Atty. req.
DE
Delaware
Atty. req.
FL
Florida
GA
Georgia
Atty. req.
HI
Hawaii
ID
Idaho
IL
Illinois
IN
Indiana
IA
Iowa
KS
Kansas
KY
Kentucky
LA
Louisiana
Atty. req.
ME
Maine
Atty. req.
MD
Maryland
Atty. req.
MA
Massachusetts
Atty. req.
MI
Michigan
MN
Minnesota
MS
Mississippi
Atty. req.
MO
Missouri
MT
Montana
NE
Nebraska
NV
Nevada
NH
New Hampshire
Atty. req.
NJ
New Jersey
Atty. req.
NM
New Mexico
NY
New York
Atty. req.
NC
North Carolina
Atty. req.
ND
North Dakota
Atty. req.
OH
Ohio
OK
Oklahoma
OR
Oregon
PA
Pennsylvania
RI
Rhode Island
Atty. req.
SC
South Carolina
Atty. req.
SD
South Dakota
TN
Tennessee
TX
Texas
UT
Utah
VT
Vermont
Atty. req.
VA
Virginia
WA
Washington
WV
West Virginia
Atty. req.
WI
Wisconsin
WY
Wyoming
View all state guides →

Also from ByOwnerHub

More free guides for doing it yourself.

🏠FSBO Hub

Selling your current home yourself too? We cover that.

📋Closing Hub

Know every closing cost before you sign.

📊Flat Fee MLS Hub

Selling? Get on the MLS without a 3% listing fee.

🔑Landlord Hub

Buying as a rental? Manage it yourself.

Resources for Agent-Free Buyers

Partner services that help you close without paying a buyer's agent.

Top pick — mortgage

LendingTree

Compare rates from 300+ lenders

Shopping multiple lenders can save thousands over the life of your loan. LendingTree lets you compare personalized mortgage offers side-by-side in minutes — without affecting your credit score during rate shopping.

Compare Mortgage Rates
Inspections

Angi

Home inspections & contractor services

Connect with licensed home inspectors before you close. A thorough inspection protects you from costly surprises and gives you leverage to renegotiate.

Find an Inspector
Closing

Escrow.com

Secure escrow for private transactions

Licensed and regulated escrow service for direct buyer-seller transactions. Protect your earnest money with a trusted, neutral third party.

Open Escrow

* Affiliate links. BuyerHub may earn a commission at no cost to you.

Ready to write your offer?

Free state-specific template — takes 5 minutes.

Write an Offer Letter