We all need the help of a professional occasionally, especially if we're tackling a big project that's outside of our normal area of expertise. So when it's time to buy a home, it's smart to hire a real estate professional, also known as a real estate agent. Why? Because:

THE AGENT IS EXPERIENCED

Many agents have years and years of experience working with home buyers and sellers. Indeed, many are pseudo-psychologists because they can "read" their clients and determine their needs and preferences. An experienced, knowledgeable real estate agent will be able to guide you to homes or property that he/she feels will suit you and your family. Many will also let you know if the house if "over" or "under" priced, and will guide you as you bid on a home. Their experience is invaluable when it's time to sign the contracts and complete the paperwork, too.

THE AGENT IS UP-TO-DATE

Housing listings change quickly--in many case overnight--and that means the homes you see on websites and in catalogs or magazines may not be current. Real estate agents, however, have the inside scoop. They'll be able to let you know whenever a house that might interest you hits the market. And they'll also be able to let you know when a house is already sold, so you don't waste time and energy on an unavailable property.

THE AGENT IS KNOWLEDGABLE

Most agents specialize in a particular city, county or geographic area. They're already informed about things like local schools, crime rates and nearby shopping. They also will be able to tell you about local zoning laws, possible natural hazards--like hurricanes and tornados--and even things like the demographics of the community. Most will know if something large and commercial, like an airport or huge shopping center, is planned for future construction in the neighborhood. They have quick access to things like plats and property restrictions, too. Here is a list of recommended Home Mortgage Lenders online. It's important to use a reputable lender online to make sure your personal information is secure.