I think this is a perfect example that is equally applicable to a RE agent. It could be an easy transaction and not make a difference. Then again it could be a mess and require the skills of an experienced agent/mortgage guy. You just dont know which way its going to go until you are knee deep in it. Some people get lucky and it goes smoothly. That is not necessarily the norm but to them it is because that was their experience thus far. As professionals we see so many more transactions that we know what can happen. Go it alone or get help, the decision is yours.