As the others have said just be up front, I think you will be amazed at how friendly and understanding most brokers are. Years ago when I first got the trawler bug I happen to be near the Felming dealership in Maryland so I stopped by, I said “I work for the government, I will never be able to afford a Fleming but I really like trawlers” the guy spent two hours with me showing me each boat in there line and gave me lots of good suggestions on boats I could afford and then he gave me his card and said if I ever had any questions he would be happy to help.
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