I don’t know about everyone elses experience with agents but our almost purchase in 2004 was with an agent that was a family friend new in real-estate for about 3 years. She left it up to us to find a good loan and suggested a loan company only once. Thankfully I read the documents before signing a interest only loan and decided I would putting my family into serious financial trouble especially when we were renting a perfectly find home for 50% percent less than I would have paid for a home loan. This is when my eyes were opened to the bubble trouble