The buyer broker would typically get paid at closing out of Seller proceeds, however the Seller in this case may not want to pay them and then it would fall on you to pay them It's possible you might find someone willing to do this for a flat fee; all you can do is ask.
Iv'e attached a link below on how to find a great buyer broker regardless fo where you're located and I wish you the best of luck.
In addition to making sure that you are not paying more than market value, you'll want to consider how the results of inspections on the home will be handled. You've lived in the home already but you may be surprised by the results of a home inspection. You'll want to know if there are any underlying issues that may cost you in the short term or in the long run. If repairs are needed, are you prepared to include those when "making an offer"?
I agree with the other posts - it's a great idea to have representation on your side.
Alliance Sotheby's International Realty
The best route for you is to have a Realtor representing you in the process to protect your interest. A Realtor can do research on the value of the home and help you make sure you do not over pay for the home. Buying a for sale by owner can be tricky and I advise you to have representation.
Valarie Thompson, Realtor
Remax Preferred Properties
As far as your financing, I recommend a THDA loan or and RD. You should be able to get into the property with little or zero down. Finally......get the seller to pay your closing cost!
Before making an offer please find out the current market value of the property.
Please call, text or email if I can help you. Mobile 865-455-8889
Keller Williams Realty
There are many parts to purchasing a home, especially a 'For Sale By Owner' home. It is in your best interest to be represented by a real estate agent. I would be happy to speak with you about the process at your convenience.
Pam Owen, Realtor
Realty Executives Associates