Once you have decided to purchase a home, make sure you select the right team.  Your team should consist of members who are not afraid to ask thought-provoking questions, sometimes of each other, to help you achieve your desired results.  Your real estate agent should feel comfortable asking your loan officer questions that you may not even know to ask.  And, your loan officer should be more than willing to answer those questions and be open to brainstorming with other team members.  If you prevent your real estate agent from speaking directly with your lender, you could be limiting yourself and, in some cases, fail to realize your goal.