We are starting to look at houses and are realizing how much we will be paying for services that IMO are quite mundane.1) Mortgage broker - This lady will charge us 1% (10,000$) to find us a suitable loan.  Basically, she will compare about 10 loans and choose the best one.  Software systems can do this easily.2) The buying agent - so far she has not come up with any houses on her own.  She finds the same things we find on line.  I dont need her to visit open houses.  Legally, in SF I need an agent to be present during the inspections.  I can use the selling agent for a fee.  If I use her to place an offer, there is a bias problem.  A buyer agent may be biased towards placing a "strong" offer.  The "stronger" the offer, higher the probability that it will go through and higher her share.  I have researched the areas enough and am comfortable coming up with a price.Are there any startups that are disrupting this space?  Say mortgage brokers and buying agents rolled into one.  Small flat fee for the mortgage broker and flat fees for the buyer agent only for services that I need?Alternative ideas also appreciated.