In Philadelphia , we have buyers agent , sellers agents and Dual agents. To avoid most problems it is best if you are buying to find a buyers agent that will be dedicated soley to you. When an agent represents both sides there has to be a balance of fairness to each party. I myself when representing my buyers often keep open communications with the listing agent and the mortgage lender to avoid surprises. But when apply for a mortgage it is recommend to have a relationship with the mortgage broker as well. Usually the mortgage brokers do attend closings , and they can and will address all your mortgage concerns. And your buyers agent will be the one fighting for you with 100% dedication. I hope this helps a little. Here is a link to Pa consumer notice , that explains agency relationships
http://www.dos.state.pa.us/bpoa/LIB/bpoa/20/10/recconsnotice.pdf - Sun Jul 15 2007, 16:36