So far the answers are good, I think Don answers your question more directly.
If you have a buyer for your home, you may consider brining in an agent to faciliate the sale, perhaps that is what you meant by a settlement agent. I've worked as a buyer's agent with a homeowner that did not want to list their home, but offered a 2.5% commission if I brought a buyer.
If you are considering selling without a broker, see the site I've mentioned for a few tips.
Hope this helps you,