#1. Get your own agent and have them show you the houses.
#2. You are right on procedures.
#3. The GFE is probably not all that good if the loan officer did not talk to you personally and get all your
details as to down payment, credit, loan term, and other important financial details.
#4. My guess is the realtor is only trying to be helpful in giving you a sample idea of what costs would be to close and payments might be if you qualify for the loan type/term/interest rate/down payment they presented to you.
#5. You are a more sophisticated buyer than many and the seller's agent may not know that. They've probably provied the GFE as a service to buyer's who don't have a clue as to how much money they need to close and what payments on a house in that price range might be.

The short answer is, yes. You should have your own agent, Jessica.
You should have an agent who is loyal to you, not to a particular house,
not to a particular seller.

Marita Topmiller
Assoc Broker/ Realtor
Century 21 Realty Group
317-513-4652
marita@maritatopmiller.com

Jessica, you should have someone representing your interests---if you want help. The seller's agent can write an offer and is required to treat all parties honestly. You must understand that if he/she represents the seller, it is the agent's job to get the seller the best price, terms and conditions. Why? The seller and the agent have a fiduciary relationship. I am confident the agent revealed this to you. If this was not done, you might want to speak to the only agent involved here and ask about agency relationships and how they pertain to you and your interests. If you do not feel comfortable, get someone to represent you in this transaction.

The listing agent may have sent a Buyers Net Sheet, but not a Good Faith Estimate. Those can only come from a lender. There's nothing wrong with sending a Buyers Net Sheet, but unless Jessica knows this listing agent and trusts them completely, she needs a Buyers Rep to protect her.

Jackie

Ok, I'm confused. Why is the Sellers Agent sending you a Good Faith Estimate? Those come from your lender. You are right to be asking questions and definitely get a Buyers Agent to represent you. Something does not sound right.

Good luck!

Jackie

It's good to know what the closing costs will be just to make sure you have enough money to cover the down payment and closing costs.

As a matter of fact, they will ask you to be pre-approved for a mortgage BEFORE entering into the contract!

Get a buyer's agent.
Some realtors will tell you that they can represent bot buyer and seller.
My question is: Who gets the best deal? Answer: The realtor.