If you don't know what to expect, it will seem like everyone has their hand out. These tips can save you hundreds, maybe even thousand of dollars in purchasing your home. A good agent will know where to cut corners and where not to. They know the best rates for service providers such as lenders, inspectors, insurance and movers. Ask up front what the fee will be.
Price is only part of the picture when making an offer.
A seller may accept a lower price if your terms and mortgage information may be more desirable. Try changing closing date or initial deposit instead of price. This gives you a much stronger negotiating position. Banks usually offer lower closing costs than mortgage brokers. Their requirements may be more stringent but their costs are usually lower.