I can understand where you're coming from but need to clear up some misconceptions. The "buyers" never pay a realtor for their part in handling the real estate transaction; the seller typically covers the commissions paid. Usually there are 2 agents involved and several REO properties pay a 5% commission therefore the listing agent gets 2.5% and the agent bringing the buyer gets 2.5%. Sometimes the commission can be 6% but I've never seen 7,8,9 or 10% commissions.
Now to answer your question: A realtor with foreclosure experience will be able to submit all of the necessary paperwork while meeting strict guidelines and deadlines the general public simply isn't aware exist. There are usually several hours of work involved from the time an offer is submitted, to making sure all of the necessary forms are required and properly completed, to finally arriving at the closing table for the last hour. I have had the pleasure of handling many successful closings with reputable and trusted realtors so I recommend you speak with a few and find one you feel comfortable with. If I can assist in any other way, feel free to give me a call.
Best of luck,
We offer a no document loan in Indiana for Owner Occupiers, but we require 35% down based on the purchase price. If you have a down payment that's what we require, as the financing is non credit score based. This loan is also open to distressed properties and fixer uppers. The house must appraise for the purchase price on the contract and that's the only underwriting requirement. Please let me know if you'd like more information.