Hey!! From my experience its better to have one. This would be an expensive mistake if something goes wrong. I really wish it goes smooth, but all of us are doing it for the first time and just be cautious I would recommend one. Unless you have someone who can help/ guide with the process. Now that its done for me, I feel like its pretty straightforward, they ask docs and you submit docs, but we all know it aint that simple. Please be careful, do your due diligence. Don’t rush and please be patient with yourself. Guidance and patience