I do also have credit repair companies where that makes sense to buyers. Waiting 3-4 more months in order to get better financing in this particular market is usually more advantageous.
I also work with investors and know all about creative financing as a last resort that will work for anyone that has the income.
Bottom line? If you do not have a Realtor on your side there is a lot more work you will have to do that is unnecessary. And considering that the seller pays my fees to work with you there really is no downside to working with us.
If you would like further information on how a Realtor may be able to assist you just contact me directly through Trulia! Just hit my profile icon and you are well on your way.