Unless you are a trust fund baby or were an experience property agent in your past life, navigating the home buying process as a first-time home buyer (or even if it’s your second) can be a lot more stressful than you might think. From confusing and often changing rules (ABSD, SSD, or LTV), to competing in a hot property market, it really doesn’t help that no one seems to be aligned with your goals. Because let’s be frank, while on the outside the commission model may seem to be on your side (you know, the higher price, the more an agent makes) the incremental gain in the commission earned often isn’t enough to really motivate to get the highest price. If you want it in simple math: a $50,000 price increase will mean a lot to you, but to an agent that’s only an extra $500 ($1,000, if the commission is 2%). As the saying goes,...