appy with the service and others will not have a good experience. Either way, its clear that the internet is providing new choices for the consumer.

How to Shop Online

1. MLS. Its the old standard and trustworthy.
2. Trulia. A new model for home buyers in search
3. realtors.com
4. freddie mac has a listing og homes for sale
5. forsalebyowner offers listing for sale without the use of a broker agent. This is a

According to NAR, which has a vested interest in following this new trend very carefully, 9 of 10 home buyers still use a real estate agent in the traditional way. However NAR, goes on to note that in 1995 only 2% of buyers used the net to search for a home but by 2005 that figure jumped to 77% and has most certainly increased since then. This is not necessarily bad news for the broker/agent. It actually provides a lot of information now including photos, maps demographics and all kinds of helpful information to a buyer.

There is so much choice now for a new home buyer to search easily that it has been a boon to the industry as well as the consumer.

However,when the internet delivers information freely to the consumer, that was previously in the hands of the professional, the edge that the professional has is diminished and the commissions soon begin to drop. The 6% standard commission, we believe, is being challenged and that all buyers and sellers can now get a better deal. That commission has always been negotiable and the timing has never been better for the consumer to get a better deal.

For example discount realtor's such as Zip Realty will offer services for 4%. That is quite a savings and there are new business models challenging even the discount brokers. Redfin is an internet web site that is offering to rebate back to the buyer 2/3's of the commission. Normally, the 6% commission is split between the buyer and seller's agents. Redfin will keep just 1% of that commission for transacting the house and they will even find you a loan.

If the old adage holds true that you get what you pay for, are they really the good deal they appear to be? We don't think there is one answer for all people here, some people will be very happy with the service and others will not have a good experience. Either way, its clear that the internet is providing new choices for the consumer.

How to Shop Online

1. MLS. Its the old standard and trustworthy.
2. Trulia. A new model for home buyers in search
3. realtors.com
4. freddie mac has a listing og homes for sale
5. forsalebyowner offers listing for sale without the use of a broker agent. This is a

luding photos, maps demographics and all kinds of helpful information to a buyer.

There is so much choice now for a new home buyer to search easily that it has been a boon to the industry as well as the consumer.

However,when the internet delivers information freely to the consumer, that was previously in the hands of the professional, the edge that the professional has is diminished and the commissions soon begin to drop. The 6% standard commission, we believe, is being challenged and that all buyers and sellers can now get a better deal. That commission has always been negotiable and the timing has never been better for the consumer to get a better deal.

For example discount realtor's such as Zip Realty will offer services for 4%. That is quite a savings and there are new business models challenging even the discount brokers. Redfin is an internet web site that is offering to rebate back to the buyer 2/3's of the commission. Normally, the 6% commission is split between the buyer and seller's agents. Redfin will keep just 1% of that commission for transacting the house and they will even find you a loan.

If the old adage holds true that you get what you pay for, are they really the good deal they appear to be? We don't think there is one answer for all people here, some people will be very happy with the service and others will not have a good experience. Either way, its clear that the internet is providing new choices for the consumer.

How to Shop Online

1. MLS. Its the old standard and trustworthy.
2. Trulia. A new model for home buyers in search
3. realtors.com
4. freddie mac has a listing og homes for sale
5. forsalebyowner offers listing for sale without the use of a broker agent. This is a

standard commission, we believe, is being challenged and that all buyers and sellers can now get a better deal. That commission has always been negotiable and the timing has never been better for the consumer to get a better deal.

For example discount realtor's such as Zip Realty will offer services for 4%. That is quite a savings and there are new business models challenging even the discount brokers. Redfin is an internet web site that is offering to rebate back to the buyer 2/3's of the commission. Normally, the 6% commission is split between the buyer and seller's agents. Redfin will keep just 1% of that commission for transacting the house and they will even find you a loan.

If the old adage holds true that you get what you pay for, are they really the good deal they appear to be? We don't think there is one answer for all people here, some people will be very happy with the service and others will not have a good experience. Either way, its clear that the internet is providing new choices for the consumer.

How to Shop Online

1. MLS. Its the old standard and trustworthy.
2. Trulia. A new model for home buyers in search
3. realtors.com
4. freddie mac has a listing og homes for sale
5. forsalebyowner offers listing for sale without the use of a broker agent. This is a

at is offering to rebate back to the buyer 2/3's of the commission. Normally, the 6% commission is split between the buyer and seller's agents. Redfin will keep just 1% of that commission for transacting the house and they will even find you a loan.

If the old adage holds true that you get what you pay for, are they really the good deal they appear to be? We don't think there is one answer for all people here, some people will be very happy with the service and others will not have a good experience. Either way, its clear that the internet is providing new choices for the consumer.

How to Shop Online

1. MLS. Its the old standard and trustworthy.
2. Trulia. A new model for home buyers in search
3. realtors.com
4. freddie mac has a listing og homes for sale
5. forsalebyowner offers listing for sale without the use of a broker agent. This is a

appy with the service and others will not have a good experience. Either way, its clear that the internet is providing new choices for the consumer.

How to Shop Online

1. MLS. Its the old standard and trustworthy.
2. Trulia. A new model for home buyers in search
3. realtors.com
4. freddie mac has a listing og homes for sale
5. forsalebyowner offers listing for sale without the use of a broker agent. This is a great way to save the commission, but please, only for the very knowledgeable.
6. HUD has a listing of HUD homes for sale
7. craigslist is a community bulletin board that lists homes for sale
8. All banks have a stable of foreclosed homes for sale, often a a great discount. Use a professional here, unless you understand the risks.
9. foreclosure.com is another site with foreclosed homes for sale
10. All the broker houses such as Caldwell Banker, Provident etc. all will provide good search tools to help you find your new home
11. Any individual agent associate web site will offer a listing of homes represented
12. housingmaps is another interesting new tool for home buyers and sellers

There is so much now on the internet, just sit back and take the tour.

Some Financing Resources

Veterans Administration home loan program,
Affordable housing at Freddie Mac,
Your Property Path
CICA programs for affordable housing,
Housing Assistance Council