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Selling a house with a standard genuine estate agent isn't so cut-and-dried: Included costs include a typical commission of about 6%, and depending on the state, closing costs that can range from 2% to 5% of the purchase rate. Sellers need to pay for repair work, too, and while the home is on the market, they're stuck paying the home mortgage and other costs.

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For many homeowners, this path is the very best way to bring leading dollar for their house particularly in today's property market. Merely put, there are fewer homes on the market right now, so competitors is high and lots of sellers are raking in deals. In many cases, choosing a lower rate from a financier simply doesn't make sense.

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