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Learning the loan process with mortgage broker Paul Nowachek
- Loan estimate: what can change
- Down payments and mortgage insurance
- First-time buyer programs
- Shopping for a rate
Most real estate firms work for sellers and buyers at the same time. NAEBA members never take a listing and never represent a seller, so when you buy, the person beside you is on your side. In writing. Since 1995.
Two questions tell you. Most buyers have never asked either one.
When the same brokerage lists homes and helps you buy, it earns on both sides of the deal. That's legal in most states, and it means the advice you get has a conflict built in. An exclusive buyer agent has no listings to protect, so there's nothing pulling against you.
Ask your agent: "Do you ever work for sellers?"
"Does anyone at your brokerage work for sellers?"
Tell us where you're buying. We'll match you with a NAEBA member who serves that area. Free, no obligation, and your details go only to that agent.
The same license as any agent. A different employer: you.
Your agent has nothing to sell you and no listing to protect, so you hear what a house is really worth, what to offer, and when to walk away.
How much you can spend, how much you'd really pay and how badly you want the house are confidential. A dual agent can't promise that.
Members show you anything for sale, from any company, plus new construction, foreclosures and for-sale-by-owner. Not just their own inventory.
Every NAEBA member pledges to the association's Standards of Practice: loyalty, confidentiality, full disclosure, skill and care, accounting, obedience and advocacy.
Certified Exclusive Buyer Agents (CEBA®) have closed at least six buyer-only transactions and passed NAEBA's official course.
HUD, Kiplinger's, Consumer Reports, the Consumer Federation of America and NerdWallet all recommend exclusive buyer agents.
The only podcast made by true buyer agents. Host Victoria Ray Henderson talks with NAEBA members and guests about buying a home well. 63 episodes.
NAEBA is the national association for brokerages that represent buyers only. Membership brings buyer referrals from this site, the CEBA® designation, the annual conference, and thirty years of standing up for buyer representation.
471 articles on buying basics, the home-buying process, financing and first-time buying.
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Home buying for homebodiesNovember 3, 2025"As first-time buyers we expected the process to be stressful, long and complicated. With Dave's help it was none of those things. He was our advocate from the search all the way through to closing."First-time buyers working with exclusive buyer agent Dave of Buyers Brokers Only