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Learning the loan process with mortgage broker Paul Nowachek
- Meet the guest
- Loan estimate: what can change
- Down payments and mortgage insurance
- First-time buyer programs
- Shopping for a rate, and timing
For home buyers
Most real estate firms work both sides of a sale. Every NAEBA member represents buyers only, never takes a listing, and signs that promise. Tell us where you're buying and we'll connect you with one nearby, free.
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Exclusive buyer agents
An exclusive buyer agent works at a company that never takes listings and never represents sellers. That one rule removes the conflict most buyers never see.
When one firm works for the buyer and the seller, it earns on both sides and someone's interest gets set aside. Usually the buyer's. With nothing to sell you and no listing to protect, an exclusive buyer agent can tell you what a house is really worth, what to offer, and when to walk away. The law treats the relationship as a fiduciary one, and NAEBA's Standards of Practice spell out exactly what that means.
Unless both answers are no, the agent is not an exclusive buyer agent. Every NAEBA member answers no to both.
Formed when dual agency became legal and buyers lost their advocate.
Seven written duties every member pledges to, enforced by the association.
Certified Exclusive Buyer Agents have closed six buyer-only deals and passed the official course.
By HUD, Kiplinger's, Consumer Reports, the Consumer Federation of America and NerdWallet.
Listen Up Home Buyers
The only podcast made by true buyer agents. Host Victoria Ray Henderson talks with NAEBA members and guests about buying a home well. 63 episodes, with chapters, show notes and transcripts on every one.

Former NAEBA president Rich Rosa on "insider" listings and who really pays for them.

Andi DeFelice on what to ask before signing with a brokerage that also lists homes.

How Federal Reserve policy reaches your mortgage rate.

Jeremy Manning on reading a market that's cooling in some places and not in others.

A realistic timeline from offer to keys.

Episodes are published here first. The same upload feeds YouTube, the podcast apps and NAEBA's social channels.
Guides
Why private listing networks can hurt home buyersMay 14, 2026
Top ten reasons to choose an exclusive buyer agentMay 4, 2026
VA loans now let veterans finance buyer-agent feesNovember 16, 2025
Consumer protection when you get a mortgageOctober 23, 2025For brokers
NAEBA is the national association for brokerages that represent buyers only. Members get buyer referrals from this site, the CEBA® designation, the annual conference, a national network of peers, and thirty years of standing up for true buyer representation in the press and with regulators.
Brokerage membership is $225 a year. Agents join under their broker.
"Otto guided us through the process as first-time home buyers super patiently. We never felt pressured to settle for a place we didn't love, and he made an inherently stressful experience actually a lot of fun."First-time buyers, East Boston, working with exclusive buyer agent Otto Iglesias of Buyers Brokers Only