1) Realtor can suggest ways to accrue the down payments/ explain alternative finance methods.  2) Can inform buyer what financial information to bring, if applying for a Loan.  3)  Realtors are familiar with current real estate values, taxes, cost for utilities, local services- aware of zoning changes.  4)  Can research the Multiple Listing Service for you- whether you are local or live out-of-state.  5)  A Realtor can show you only the properties you need/ desire (lifestyle, shopping, school locations, etc..).   6)  Often, a Realtor can also offer suggestions, changes that could be made-- to make a home better suited to your specific needs/ likes.  7)  A Realtor know the importance of the decision you are making;  wanting to help, direct, guide and protect you and your finances.