Jump to a sectionServices, responsibilities and who handles what
You found the house online. You sent the listing to your agent. Then you met them at the property. It’s reasonable to wonder what you’re paying for beyond someone opening the door.
Finding listings is one part of the work, and often it’s a part buyers already enjoy doing themselves. Useful assistance becomes easier to judge when you know what to expect before, during and after an offer.
An agent should be able to explain that work. “There’s a lot happening behind the scenes” isn’t much of an answer on its own.
For buyers, the work goes beyond the search
A buyer’s agent represents the buyer’s interests. In Pennsylvania, that includes loyalty and confidentiality, along with a good-faith effort to find a property, subject to the rules governing the relationship. Those duties don’t switch to the seller because the seller contributes toward the buyer’s agent’s compensation. Pennsylvania’s buyer-agent duties explain the distinction.
Start with what you need from the purchase. A house can fit your price limit and still leave you uncomfortable with its monthly cost. An appealing layout may come with maintenance you don’t want.
Your agent can help compare properties and organize the questions that need answers from a lender, inspector or municipality. That might mean checking a property’s taxes and association fees, asking about a disclosure or identifying a concern for a qualified contractor to investigate.
When you’re ready to offer, the discussion should cover more than price. Financing, inspections, deposit terms and the closing date can change the risk you’re accepting. For example, skipping an inspection might appeal to a seller. You deserve to understand what you could be giving up, not just hear that it might help you win.
After acceptance, there are appointments, document requests and deadlines. Ask for a written schedule showing your responsibilities. If an inspection raises concerns, your agent can help you discuss the choices available under your agreement. Not every repair request will be accepted, and not every problem can be negotiated away.
For sellers, it’s more than posting photos
A seller’s agent represents the seller’s interests, with duties that include loyalty, confidentiality and a good-faith effort to find a buyer. Confidentiality doesn’t permit hiding known material defects. Read Pennsylvania’s seller-agent duties.
Before listing, discuss pricing, preparation, photography, marketing and showings. Find out what’s included rather than assuming every service package is the same.
A pricing recommendation should come with an explanation of the comparable sales and where your property differs. Preparation needs the same care. Spending money on a renovation doesn’t automatically mean you’ll get it back.
Local transfer requirements also deserve an early check. Some Pennsylvania municipalities require a sewer-lateral inspection, meaning an inspection of the pipe connecting the property to the public sewer. It’s not a uniform county-wide requirement. Bristol Township, for example, describes inspection and certification requirements for properties served by its Sewer Department, including repairs and reinspection when needed. Its application and video should be submitted 30 days before settlement. Check Bristol Township’s current requirements.
Scheduling an inspection late, discovering a defect or waiting for a local review can affect closing. The agent can help establish what needs checking and follow up on progress. A qualified professional performs the inspection, and the relevant local authority handles its approvals.
When offers arrive, compare likely proceeds and terms, not just the highest number. A higher offer can come with conditions or a closing schedule that doesn’t work for you. You make the decision.
Who handles what in a home purchase?
You make the decisions. Your agent helps coordinate. Specialists handle their areas.
Open a row for more detail. Services depend on who you hire and your agreements.
You, the buyer or sellerYou choose the home, the professionals and the terms you’ll accept.
Real estate agentHelps compare options, explains the process and coordinates follow-up.
Mortgage lenderReviews your finances and decides whether to approve the loan.
Inspector and specialistsEvaluate the property within the scope of their work.
AppraiserProvides an opinion of value, not a home inspection.
Title and settlement professionalsHandle their agreed title, closing and recording work.
AttorneyAdvises on legal rights, contracts and ownership questions.
Municipality or sewer authorityHandles applicable local inspections, permits and certificates.
Pennsylvania’s rules require licensees to recommend expert advice for matters beyond their expertise, keep consumers informed and assist with document preparation without providing legal advice. Pennsylvania’s general licensee duties set out those responsibilities. The CFPB also explains why an inspection and an appraisal serve different purposes.
Talk about the money before committing
Compensation is negotiable. There isn’t a commission rate set by law. Understand the services, the amount or calculation, who may pay and when you could owe money. Read the agreement’s duration and termination terms, too. NAR’s consumer guide explains what buyers can discuss.
For agents covered by NAR’s settlement-related practice rules, a written buyer agreement is required before touring a home together when the agent is working with the buyer. An introductory conversation doesn’t require you to hire someone. See NAR’s homebuyer guidance.
Don’t accept “the seller will take care of it” as the whole explanation of payment. Ask what happens if a seller contributes less than the amount in your agreement, or nothing at all.
Commission-based compensation can create concerns about incentives. It’s fair to raise them. An agent should be willing to discuss the question without treating it as an insult.
Choose the help you actually need
Someone who already knows the property and has agreed on terms may need a different arrangement from a first-time buyer starting a search. If the main need is legal advice or documenting an agreement, discuss that scope with an attorney. Don’t assume that hiring one professional automatically covers another’s work.
If you hire an agent, you should know what happens next, have explanations you can follow and be able to disagree without feeling pressured.
General consumer information, not legal, tax or lending advice. Services, fees, local requirements and obligations depend on your agreements and the property. Sources checked October 19, 2026. Confirm current municipal or sewer-authority requirements for the specific address.