2024 NAR Settlement — Buyers Have More Options Than Ever

Buy Your Home Without
Paying a Buyer's Agent

Buyer agents typically charge 2.5–3% commission — on a $400,000 home, that's up to $12,000. BuyerHub shows you how to make competitive offers, negotiate directly, and close with confidence in all 50 states.

Find Your State GuideHow It Works
~3%
Typical buyer agent commission
$12K
Savings on a $400K home
50
State guides available
18
States requiring an attorney

How to Buy Without an Agent

Millions of buyers skip the buyer's agent every year. Here's the simplified path.

1

Get Pre-Approved

Secure a mortgage pre-approval before making offers. It shows sellers you're a serious buyer and tells you exactly how much you can borrow.

2

Make a Direct Offer

Submit an offer directly through the seller's listing agent or a real estate attorney. Use our offer letter guide to get the terms right.

3

Close with Confidence

A title company or attorney (depending on your state) coordinates the closing and transfer of ownership. No buyer agent required.

See the full step-by-step guide →

State-by-State Buyer Guides

Find your state's specific rules, attorney requirements, and tips.

AL
Alabama
AK
Alaska
AZ
Arizona
AR
Arkansas
Atty. req.
CA
California
CO
Colorado
CT
Connecticut
Atty. req.
DE
Delaware
Atty. req.
FL
Florida
GA
Georgia
Atty. req.
HI
Hawaii
ID
Idaho
IL
Illinois
IN
Indiana
IA
Iowa
KS
Kansas
KY
Kentucky
LA
Louisiana
Atty. req.
ME
Maine
Atty. req.
MD
Maryland
Atty. req.
MA
Massachusetts
Atty. req.
MI
Michigan
MN
Minnesota
MS
Mississippi
Atty. req.
MO
Missouri
MT
Montana
NE
Nebraska
NV
Nevada
NH
New Hampshire
Atty. req.
NJ
New Jersey
Atty. req.
NM
New Mexico
NY
New York
Atty. req.
NC
North Carolina
Atty. req.
ND
North Dakota
Atty. req.
OH
Ohio
OK
Oklahoma
OR
Oregon
PA
Pennsylvania
RI
Rhode Island
Atty. req.
SC
South Carolina
Atty. req.
SD
South Dakota
TN
Tennessee
TX
Texas
UT
Utah
VT
Vermont
Atty. req.
VA
Virginia
WA
Washington
WV
West Virginia
Atty. req.
WI
Wisconsin
WY
Wyoming
View all state guides →

Also from ByOwnerHub

More free guides for doing it yourself.

🏠FSBO Hub

Selling your current home yourself too? We cover that.

📋Closing Hub

Know every closing cost before you sign.

📊Flat Fee MLS Hub

Selling? Get on the MLS without a 3% listing fee.

🔑Landlord Hub

Buying as a rental? Manage it yourself.

Resources for Agent-Free Buyers

Partner services that help you close without paying a buyer's agent.

LendingTree

Compare rates from 300+ lenders

Shopping multiple lenders can save thousands over the life of your loan.

Compare Mortgage Rates

Rocket Mortgage

Get pre-approved in minutes

A pre-approval letter strengthens your offer and shows sellers you're serious.

Start Pre-Approval

LegalZoom

Affordable attorney contract review

Get a licensed real estate attorney to review your purchase agreement before you sign.

Review My Contract

Escrow.com

Secure escrow for private transactions

Licensed and regulated escrow service for direct buyer-seller transactions.

Open Escrow

* Affiliate links. BuyerHub may earn a commission at no cost to you.

Ready to Write Your Offer?

Our step-by-step guide shows you exactly what to include when buying directly.

Write an Offer Letter