No compensation is necessary here. Your agent needs to get working harder for you. If you find a home FSBO and you feel comfortable with making an offer and handling the paperwork then go for it. Agents should be paid only when they find you a home and write up offer. Remember this is sales and you don't get paid for having the word "sales" in your title.

However, if you signed a "Buyer Agency Agreement", you have the legal obligation to place an offer through your Realtor, or else, they can bill you or take legal action if you go behind their back and place an offer by yourself . In most cases, the Seller pays the Realtor compenstation, unless it's written in differently into the offer. (eg, that the Buyer will compensate the Realtor). If you do place the offer with the Realtor that has been working for you, an additional form would be added to the offer called a "Commission Agreement for Property Not Listed". If you did NOT sign a Buyer Agency Agreement, feel free to go and do the offer yourself, your Realtor was not on the ball for protecting their own rights & compensation and you have no legal obligations to them, no matter the amount of work they did or did not do.

If there is a Buyer Agency Agreement, most brokers will usually nullify it upon your request if you can demonstrate that your agent has not been doing anything for you. As for the rest, it's really a gut decision you need to make based on your relationship with the agent and how much time he/she's invested working on your behalf. Remember that a good agent will still be valuable during a FSBO. Sometimes especially so, since FSBO's are notorious for not knowing what they're doing. For instance, some FSBO's will accept another offer a week before your closing. It's up to you to take them to court if you want to pursue it. Real estate agents are one of the only professionals who work strictly on a commission basis. There is no compensation for all the time spent researching and showing properties if no sale results. Yes, I'm an agent, if you hadn't guessed. And I can't begin to count how many couples I've spent days and days with, only to have them decide "they don't really want to move after all." How much is a week of your time worth? What if you worked a week and received no paycheck? It's a tough business. When people complain that their realtor isn't working for them, it may be because the realtor has judged, often correctly, that they can't risk investing the time in an indecisive or wobbly client.

The Ethical thing to do is contact your realtor, before you call the For sale by owner, let the agent work it out with the seller, it will cost you nothing. Most sellers would be more than happy to work with a agent that has a buyer and will compensate the agent themselfs. Call your agent first always when seeing a for sale by owner before you contact them directly. This is the ethical thing to do always.