Agent Craig Harrison will help you move. He will tell you not to buy the maximum you can afford (never possibly exceed your comfort level for the month). He will encourage you to fix your credit. He will try to get the seller to contribute to your closing costs. The Twin Towers agent in Richmond, Virginia says it's just his job. Consider having an agent in your corner working for you. An agent will often cost you (the buyer) nothing — the seller usually pays the agent's fee.