You need a Realtor to represent you because the on-site sales person represents the Builder. Your Realtor will be looking out for your interests. Many times a Realtor can negotiate better terms for you regarding closing costs paid for by the Builder, utilizing an outside Lender and Title Company versus using the Builder Lender and Title Company, negotiate discounts on upgrades and negotiate the closing date. Most Buyers like to hear the Realtor’s expert opinion on what upgrades are popular and what options they should get that would provide for a better investment. I worked for 4 builders before going into general brokerage sales and can provide expertise in your new home purchase.

Why should I use a local title company and a local lender?

You should use a local title company and a local lender because you will get better service from a title company and lender that is referred to you by your Realtor. Your Realtor recommends companies that have established a good business relationship with your agent. These companies want you to be pleased with the service so he/she will continue to refer business to them. Many mistakes happen in calculating local property taxes,  and maintenance fees when you utilize a lender or title company that is from out of the area.  To eliminate surprises in higher fees  than anticipated, you need the assurance that a local and seasoned title company and lender can offer you. I only recommend lenders and title companies that have a proven track record. Using a local lender and local title company can make buying a home much less stressful.