*A REALTOR® , in addition to knowing the local money market, also can tell you what personal and financial data to bring with you when you apply for a loan.

*A REALTOR® is already familiar with current real estate values, taxes, utility costs, municipal services and facilities, and may be aware of local zoning changes that could affect your decision to buy.

*A REALTOR® can usually research your housing needs in advance through a Multiple Listing Service -- even if you are relocating from another city.

*A REALTOR® can show you only those homes best suited to your needs -- size, style, reatures, location, accessibility to schools, transportation, shopping and other personal preferences.

*A REALTOR® often can suggest simple, imaginative changes that make a home more suitable for you and improve its utility and value.

*A REALTOR® is sensitive to the importance you place on this major commitmentyou are about to make.  Look for a real estate professional to facilitate negotiation of a win-win agreement that will satisfy both you and the seller.