Someone who really listens to the needs of the buyer and does not try to oner sale them. Akthough a person may qualify to pay more; that price may not allow them and their family to really enjoy the home; in the end they will resent the realtor and absolutely will not recommend them to others. The trend is to show people the maximum price they qualify for, so buyer beware, do your homework, You tell them what you are comfortable paying, regardless of the amount you are approved for and don't forget the home insurance, property taxes, the lener insurance on FHA, the loan origination fees..... there are all kinds of hidden costs. Prequalify before you even shop around for a home. Interest rates change all the time. The person prequalifying you should explain this as well as the fees I mentioned above, otherwise you may be placing you and your family in a very stressful situation that will haunt you for a very long time. Remember; you can buy less expensive and learn to do the work yourself and have it your way. You need a Realtor who really cares about your concerns and not just making the sale. DO NOT sign a contract with a realtor until you feel they are working towards you and your family's best interest, not just the almighty dollar because this will more than likely be one of the largest investments you will make in your life.