In addition; you should check and make sure you did not sign anything with her, if so ask to terminate any binding agreement. By law you should have signed a "working with agents", brochure, that does not bind you to her, but if you signed an agency agreement it could end up with you owing her a commission without the benefit of her help.
And are you planning on having a Realtor assist you? The new offer to purchase and contract is pretty difficult for one to wing on their own. Rules about financing, lose of earnest money, penalty for closing late, seller negotiation of repairs have all changed.
If this is not the right Realtor, perhaps you may want someone else to look after your interests.
I wish you luck.
Are you sure you want to know about etiquette or savings? If you did not sign a contract with the agent the legally you are not bound to have her as a part of any deal in NC ( where all transactions must be in writing to be enforceable). As far as the faux pas I am sure the lender will continue to work with you. If you truely found the home on your own then you are within your rights. If the agent gave you information on the home or told you about it before you went to see it then the water gets muddy as far as "etiquette". Of course this is one reason why some buyers agents will not take potential clients out to show homes without an agreement though. So if what you say is true then you are within your rights to proceed as you stated.
There is nothing wrong with not using a realtor when they are not making your their top priority.
Good luck in your purchase!