Hello, it is always recommended to use the assistance of a REALTOR during the home-buying process, but one must take the time to interview several different agents to find the one that is best for them. Best of luck in your quest!
Near impossible, banks will list their homes through approved agents, babnks do not sell their own properties. having a relationship with listing agents does not cost you anything and can gain a buyer advanatages if you are expereinced in investieng and buying. You can get first notice and early entry to homes while they are being cleaned and appraised.