5 Questions Real Estate Agents Hate To Get (Ask These Instead)

Buying a home is a huge investment — it’s likely the biggest purchase you will ever make. If you work with a real estate agent, you will have questions, and you shouldn’t hold back asking anything.

But while there are no stupid questions in life, there are a few queries that might irk your real estate agent.

Here are five questions real estate agents hate to hear — and five that you should ask instead if you want to find the right home and possibly build your wealth in the process.

1. ‘Will you cut me a break on your commission?’

Your real estate agent deserves to get paid for their job, just like you get paid for yours. While the commission is negotiable, you don’t want the agent to feel like you're trying to rip them off.

If the agent understands that you will make the sale process especially easy — or if you plan to buy additional properties soon and will use the agent to do so — the agent might be willing to negotiate.

But if you simply want to pay a bargain-basement commission because you are cheap, you probably shouldn’t go there.

2. ‘Will you show me an expensive house just so I can check it out?’

Your real estate agent’s time is just as valuable as yours.

So, unless they also have an interest in looking at an out-of-budget house, you generally shouldn’t ask your agent to take time out of their day to meet you at a property you know you'll never buy.

3. ‘Do I really have to get pre-approved?’

Getting a pre-approval saves both you and your agent time and stress. Skipping pre-approval will put you into a scramble when you do decide to put in an offer.

When you ask to skip pre-approval, your real estate agent will secretly roll their eyes and ask themselves, “Buy why?”

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4. ‘Will you help me make a lowball offer?’

Sometimes, you will make an offer on the low side that will be rejected — and that’s OK. But repeatedly offering lowball offers is going to annoy your real estate agent.

Many lowball offers are rejected out of hand, wasting everyone’s time. However, an occasional lowball offer might be OK if you find a house that has been sitting and your real estate agent feels optimistic that the seller is motivated.

5. ‘Do we have any wiggle room on the price?’

Your real estate agent doesn’t have a crystal ball. They may have intel into how long the property has been listed or whether the seller is eager to strike a deal quickly. However, they typically don’t have significantly more information about the seller’s thoughts than you do.

So, don’t expect your agent to be Nostradamus.

5 questions you should ask instead

While none of the previous queries will get you the answers you want when buying a house, there are a few questions that can help set you up for a successful home-buying process. Here’s what you should ask instead.

1. ‘Do you typically work more with buyers or sellers?’

Real estate agents typically work on behalf of both buyers and sellers, but some focus more on one group than the other.

All else being equal, a homebuyer is probably better served by working with an agent whose bread and butter is working with buyers — a buyer’s agent, as opposed to a listing agent.

2. ‘What value do you offer over other agents?’

You are going to pay a commission, so make sure you're getting the best value. If you are buying a house, what does your agent offer in terms of bringing you new properties or having the right contacts to find off-market deals? What’s their track record?

A good, confident agent is only too happy to tell you why they are better than the competition. Finding out upfront why they are the best agent to work with is a smart homeowner move .

3. ‘What neighborhoods or types of homes do you specialize in?’

Try to work with a real estate agent who specializes in the type of home you want or who's familiar with the neighborhood you love.

This type of agent will have more insight into what you should look for, what is a good deal, and whether or not you should wait to see if the property drops in price.

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4. ‘Does this home match up with comps?’

Rather than wondering whether there is wiggle room with the buyer, ask your real estate agent to pull comps so you can see what comparable homes are selling for.

This will help you compare the numbers and decide whether you are getting a fair market price or should offer a price under the listing to keep more money in your wallet .

5. ‘What do you think is the best offer strategy?’

Rather than asking if you should lowball an offer, ask your real estate agent about the best offer strategy. The agent can offer insight into whether you should go in without contingencies or add in an escalation clause, for example.

The agent will have knowledge about what sweetens a deal and can guide you toward a winning offer.

Bottom line

It’s fair game to ask any question if it makes you feel more comfortable with the homebuying process. However, asking the right questions is more likely to get you to the home of your dreams faster.

Your real estate agent is on your team — it’s in their best interest to sell you a house that you love and helps you get ahead financially .

So, try to leave the least important questions unasked and focus on the queries that will move the homebuying process forward.

Money tips that can work for everyone

No matter what your bank account balance is, there's always an opportunity to optimize and improve your finances. Here's a quick checklist of things you can look at today.

Focus on paying off your debt. Debt can hold you back from making progress with your overall financial well-being. Aside from cutting expenses, there are tools that can help you pay off debt faster like balance transfer credit cards and debt counseling.

Earning extra income can give you breathing room. If finances are tight, earning some extra money to supplement your income can make a huge difference. A new job is one option to consider, but if you're not ready to make a big change or already retired, a part-time side job could be a better choice.

Cut your expenses. It sounds painful and so not fun, but it doesn't have to be. Take a look at your biggest expenses because that's where you'll probably find the biggest savings. For example, auto insurance rates have been soaring so shopping around for a new insurance company can be the fastest way to cut your bill. Also, look for ways to cut your grocery bill (despite rising inflation).