Don't call the bank or the listing agent, call a third party agent, He/She will make an offer for you at no cost to you. The reasons to hire a real estate agent is that the sellers (Which is now a days the banks) are likely to use their own agents. In fact, the sellerâ€™s (Banks) agent owe his loyalty to the seller/bank which gives him/her lots of listings. The relationship between the listing agent and the buyer is that primarily benefits the seller. Itâ€™s better to have your own agent than working with the seller agent, the buyer agent will work for you 100%.
100% loyality is better than 50% or less loyality.