You certainly can try to put the deal together yourself, I believe you would not get the outcome that you desire. A buyers agent will be able to help you determine what the property is worth and will help you structure the deal to meet your needs. Many people seem to believe that the seller will pass along the savings if they don't have an agent. In reality it will probably end up costing you much more because of the mistakes you will make in putting together the deal. Many banks will not negotiate they will only accept or reject offers. You may have to submit several offers before you reach a level that the bank will accept. Since the seller pays the commissions you have nothing to loose by hiring an agent. I suggest visiting the following website to find a buyers agent. The Real Estate Buyers Agent Council (REBAC) has an on-line directory that will help you find a Buyers Agent that has earned the ABR (Accredited Buyers Representative) designation. An ABR has experience and speciality training to help you with the purchase of a home. http://www.rebac.net/MembershipDirectorySearch.aspx Good Luck!