A Real Estate Discussion Blog


Don't Let Mortgage Deals Become a Showstopper

To minimize risk, many agents now require their buyers get pre-approved before they begin looking at homes.  This is a smart tactic, since it's important for buyers to know right from the beginning how much they can afford to spend on a home.  In addition, some sellers require buyers to get pre-approved just so they know that a lender has looked at their financial picture.

On Active Rain, when we talk about Zillow, we spend a lot of time talking about real etate and Zestimates, but did you know that there is also a very popular, free mortgage section where Buyers can begin the loan shopping process? 

A quick and easy way for your buyers to get pre-approved is to have them visit Zillow Mortgage Marketplace, where they can request custom loan quotes from thousands of lenders.  Buyers submit a loan request - anonymously - using the Zip code where they are looking and a target price, along with other information such as the down payment amount, estimated credit score, income and debts. 

In just seconds, they receive custom loan quotes from a network of thousands of participating lenders.  Buyers  find the best quote by sorting, filtering, and comparing quotes side-by-side.   They also learn about lenders via lender profiles, ratings and reviews

Once they've had a chance to compare quotes and lenders, buyers contact lenders to request a pre-approval...lenders don't call them.  Borrowers are in control and remain anonymous until they decide to make contact with a lender.

Learn more about how Zillow Mortgage Marketplace works from Mary Miller, Product Management, Mortgage:


And Lenders, if you haven't signed up to quote yet, here is a link where you can try it out and see what type of loan requests have been made in your area




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Comment balloon 48 commentsSara Bonert • August 17 2009 03:44PM


Morning Sara, Great information on yet another free resource to help our clients attain their goal stress free. Thanks for sharing.
Posted by Harold "Hal" Place (A1 Connection Realty, Inc.) almost 11 years ago

Sounds like a good idea...thanks for pointing it out. I'm curious, though...what would happen if a person was able to qualify for a loan but only requested a 50,000 loan...would it be processed?

Posted by William James Walton Sr., Greater Waterbury Real Estate (WEICHERT, REALTORS® - Briotti Group) almost 11 years ago

William- Because the person gets to remain anonymous in the loan request process, there isn't a lot of reason for them to stray from the truth.  Because Zillow isn't involved in any processings, it would then really be up to the loan officer that the person reaches out to decide how they want to proceed with the loan request.   (cute pic btw!)

Posted by Sara Bonert, Real Estate Internet Marketing (Zillow) almost 11 years ago

not bad if you don't have any relationships in the area.  I came into the industry on the anonymous side taking Internet leads.  I left that side of the business and have been building relationships over the past 4 years.

I think now more than ever it is esential that you develop or cement relationships with trusted partners.  When a friend, family member or Realtor partner refers a client to me it is because they trust me, know my work ethic and integrity.  85% of my business is local and I take great pride knowing that I help people get into homes and that a lot of times we will share little league, schools, grocery stores etc. 

The internet is great; however, nothing compares to good ol' fashion relationship building


Posted by Jeff Glick (BCHloans) almost 11 years ago

great article, thanks!

Posted by Yvonne Long, Broker Assoc./ Fl. Notary/Certified Signing Agent (Berkshire Hathaway) almost 11 years ago
Hi Sara, Great info for buyers. Appreciate the article
Posted by JIM O'DAY (Preview Properties ) almost 11 years ago
if zillow mortgage services are as good as their valuation services, I am not impressed.
Posted by Moshe Cohen, PhD (Valuation Solutions) almost 11 years ago
In theory maybe ok, but I have to wonder, if someone has the time to complete a handful or random good faiths for people they may never hear from again - that person can't be too busy (successful?). That sometimes means th econsumer may not be asking the best person for advice - ala lack of experience/skill. But I grew up on leads, so they have their place.
Posted by Stephen Kappre, Helping You Home (KW Hometown) almost 11 years ago
Sara, This is very timely advice as I received a phone call from someone that wanted to look at one of my listings before being prequalified. I went through the normal script about not wanting him to waste his time looking at a house that he may not be able to afford, blah, blah, blah. I gave him the numbers of some good lenders. He was apprehensive about calling a lender (not sure why). I wish I could have told him about this site. Thanks.
Posted by Bob Pearson, GRI, E-Pro (Keller Williams Realty Professional Partners) almost 11 years ago

Hi Sara - This seems like a great tool, but since interest rates and loan packages often change daily, I think it should be used as a guide, but not rely completely on it. 

Another factor in our area is that it is difficult to get appraisals that will always make sense, since so much of what we have are custom and old, new, shacks and mansions, all in the same neighborhoods together, compounded of course by the short sales and REOs.

If all of that is taken into consideration, this Zillow program should at least give a potential buyer an idea of what they may be getting into.

Posted by Susan Neal, Fair Oaks CA & Sacramento Area Real Estate Broker (RE/MAX Gold, Fair Oaks) almost 11 years ago

Hi Sara -- During the initial information gathering stage, this can be useful.  I think the best way to obtain the best possible mortgage is knowing a local realtor who knows the best local lenders in town -- rates, fees and customer service.

Posted by Chris Olsen, Broker Owner Cleveland Ohio Real Estate (Olsen Ziegler Realty) almost 11 years ago

Hi Sarah, I have to appreciate your positive spirit in representing Zillow.  You know that I'm not a fan of the Zestimates.  But you're great at always presenting a positive image.

On this mortgage idea, I have to tell you that I will only work with in state and local lenders these days.  Way too risky to work with someone you cannot get to in person if something goes wrong.

Have a good day!

Posted by Bob Haywood, BobHaywood.com (McGraw Realtors) almost 11 years ago
HI Sara, I agree with Bob and many other here. We have built relationships with local lenders and will only use them anymore. With Internet or out of the area lenders we have seen nothing but problems. My team and I don't want clients to walk that walk without us becayuse they get confused to easily by the upfront numbers and then get blindsided when they get get the Good Faith Estimates as well as out of state lenders have different requirements for inspections and appraisals. Thanks for the update and the information, it helps us to know what is going on in the marketplace.
Posted by Dave Minder (Wellspring Investments LLC) almost 11 years ago

Hey all thanks for the comments - Just to be sure to note that there are a lot of local lenders using the site to prepare customized quotes for people (5200 lenders nationally have registered to quote).  All lenders go thru an authorization check by a third party to confirm they are legitimate. 

I totally understand wanting to work with someone that you have a local relationship with, can't argue that!  But if you don't have any of these relationships, or a person is in the shopping phase (and maybe isn't working with a Realtor yet), this is a great, anonymous place to start.   

One very cool part of the system though, regardless of who you use to complete the transaction, is that all rates are being quoted in real time and are all posted to the site.  So if you wanted to see what someone with average credit is being quoted on a 30 yr note this very minute, you can easily get that info right from the front page.

Posted by Sara Bonert, Real Estate Internet Marketing (Zillow) almost 11 years ago

I find ths information extremely helpful.  I have buyers that delay getting pre-approved due to concerns of credit inquiries lowering their credit score.  This "anoymous" feature will comfort buyers to quit procrastinating.  Great article!

Posted by Cindy T. West almost 11 years ago

Hi Sara,  Interesting info.  From your description it would be possible to get a buyer " qualified " while sitting in front of you for the first time.

Posted by Bill Gillhespy, Fort Myers Beach Realtor, Fort Myers Beach Agent - Homes & Condos (16 Sunview Blvd) almost 11 years ago
Hi Sara, Thanks for your follow-up. Zillow is good if you do not have someone who you already work with. I find a good relationship with a local lender is very helpful at times.
Posted by Paul Todd almost 11 years ago
zillow is great if you do not know any local lenders. I feel that part of being a good realtor is interviewing local lenders so you know who you can send clients too.
Posted by Paul Todd, Vacation and Second Homes Sales and Management - Mentone Alabama (Mentone Cabins Realty, LLC) almost 11 years ago

Most of our area agents are gunshy of any type of internet lender ! The Pa. Agreement of Sale was modified several years ago to state the identity of the Buyer's lender(many thought) just for this reason.

Posted by Michael J. Perry, Lancaster, PA Relo Specialist (KW Elite ) almost 11 years ago
Sara- thanks for all the information on Zillow. I've been wanting to take some time and look into it- this will spur me to action! Thanks.
Posted by JB Brookman, High School Senior Portrait Photographer (JB Brookman Photography) almost 11 years ago

Interesting...will need to bookmark this for future reference.

Posted by The Ross Team Fort Collins Real Estate, CDPE (Prudential Rocky Mountain REALTORS) almost 11 years ago

Sara, thanks for the post -- as complex as the home buying/financing process is, it's always great to have resources available. Not only does pre-qualifying help reduce the Real Estate Agent's risk, but it means a smoother process for the buyers/borrowers as well and increases the likelihood of a successful (and smooth) transaction for all parties.

Let's also keep in mind that we are in a very dynamic mortgage market and a blend of technology and personal service is paramount, including using recommendations from businesses and individuals you trust! --James Wirth

Posted by James Wirth almost 11 years ago

Thanks.  I like the fact that it can give potential buyers an idea of what they can afford.  Looks like the consumer will come looking for a home in either a more educated or a more confused state.

Posted by Joseph "Cathan" Potter (Coldwell Banker) almost 11 years ago

Sara- I would never accept a letter based on estimations for any of our listings from a buyer. In order for our sellers to accept offers, they require the buyers to be approved, actually had their credit report looked at, VOE looked at, and VOD turned in. They may choose to use any lender they wish because unfortunately we can't control that part, but they must be approved by Jeff Belonger from Active Rain so we know if they are a bonefide buyer or not. Katerina

Posted by Katerina Gasset, Get It Done For Me Virtual Services (Get It Done For Me Virtual Services ) over 10 years ago

Zillow has certainly become popular with the public and has some good ideas. In concept this seems to be a helpful, and hopefully, won't set incorrect expectations for buyers when they actually make loan application.

Posted by Retired Notworking over 10 years ago

they get quotes, obviously, just from the lenders on your system.

i like the estimated credit scores, frankly, i'm not giving out a preapproval without a bureau in hand, which i have pulled, which i can actually use, i may add.


Posted by Jay Beckingham, Seniors ROCK! (SWBC MOrtgage) over 10 years ago
Got a couple of new stats you might find interesting, since this post was written- In August: - More than 1.1MM quotes submitted in August—our highest month ever. - Quotes per Loan Request averages at 24. - On average, it only takes only 6 seconds for borrowers to receive their first quote. - Mortgage Rate widget is one of our most popular installed widgets. - We added 200 new confirmed lender to the system!
Posted by Sara Bonert, Real Estate Internet Marketing (Zillow) over 10 years ago

Sara, Thanks for the information, I am simply amazed at all the resources available to us on AR

Posted by Sybil Campbell, REALTOR® ABR, SFR, SRES Williamsburg, Virginia (Long and Foster REALTORS® 5234 Monticello Ave Williamsburg, Virginia) over 10 years ago

The problem with a number of buyer is they are absolutely unaware of their financial situation or make it look like they are not aware. Then making surprise faces. I am very straightforward with all of my clients who want to finance their purchase. No exceptions.

Posted by Sal Antsipenka over 10 years ago

Thanks for sharing. I wasn't aware of that. Yes, we all want and need our cleints to be pre-approved prior to showing them homes they might not be able to afford.

Time is the one thing we cannot replace.


Take care,



San Mateo Ca.

Posted by David Tap Tapper over 10 years ago

Sara:  I have participated in Zillow for awhile now, but have never quoted or provided a "zestimate" on your site.  Why?  There are so many quickly changing variables and bits and pieces of information that a lender needs these days to offer a reliable and timely quote.  I simply do not feel I can obtain all the information I need to give a credible quote through this outlet ... because there are too many unknowns and variables that can only be discovered by communicating with a customer in a more intimate manner.  My comfort level in providing "zestimates" is just not there.  In fact, I wrote an article on AR a short time ago regarding this very topic.

I do answer questions and respond to inquiries when directly contacted through my information placed on Zillow.  I also run ads in various zip codes to establish name recognition and credibility amongst potential customers and referral partners.  I believe Zillow is excellent for these purposes.  I do appreciate the services your site offers and the opportunity to take part in it as the traffic and activity level on Zillow are outstanding.


Posted by Gene Mundt, IL/WI Mortgage Originator - FHA/VA/Conv/Jumbo/Portfolio/Refi, 708.921.6331 - 40+ yrs experience (NMLS #216987, IL Lic. 031.0006220, WI Licensed. APMC NMLS #175656) over 10 years ago

Sara, great post and information. I will allow a client to look at one maybe 2 homes prior to showing me a pre-approval or pre-qualification letter, but it is a must before you get in too deep into home hunting.

Posted by Janice MacMillan, Associate Broker (ERA Joyner Realty) over 10 years ago

Hey Gene-  Thanks for the comment, and for using other parts of the site.  That is why we have different things for different folks! :) 

Seriously, there is plenty of room to write an auto signature, or a disclaimer of sorts that most lenders use as an opportunity to explain how the markets are 'constantly changing...'.  So I understand what you are saying, but I hope we are always giving lenders enough opportunity to position the quotes properly.  We want to make sure you have every opportunity to set proper expectations, as consumer reviews are a big part of section. 

Posted by Sara Bonert, Real Estate Internet Marketing (Zillow) over 10 years ago
Maybe what I market and to whom is different than most, but sellers can be assurred that if I turn in a contract on their property, the closing isn't going to fail for lack of financing. Here's a post that tells why. http://activerain.com/blogsview/1231971/please-don-t-bring-me-the-mortgage-broker-du-jour
Posted by BILL CHERRY, Broker & Wealth Coach (Bill Cherry, Realtor) over 10 years ago

Quotes per Loan Request averages at 24. - On average, it only takes only 6 seconds for borrowers to receive their first quote. -

This is scary stuff, & all of you real estate agents should be very afraid.  I'm all for technolgy, & I'm all for choice, & I'm certainly a consumer who wants the best deal I can get, with minimum hassle. Thi sall being said, think about the quote above.  6 seconds.  Impossible to get anything based in reality in 6 seconds.

I have noticed that a few mortgage originators have also commented on this & I hope a few more do as well. I don't expect the average Real Estate associate/salesperson to understand what it really takes to truly qualify a borrower, just as I don't pretend to fully comprehend all the slightest nuances of selling real estate.  However, there is one thing I do know for sure.  Garbage in = garbage out.

Do you realize that if the borrower puts incorrect or misleading information into the search engine on Zillow or anyother automated site, they will, of course get incorrect information back.

Here's an example. 

Self employed borrower been looking at homes for 2 months with Realtor Jane. Tells Jane he has mid 700's FICO score, & makes a lot of money, owns 2 homes, lots of equity, etc. He's gonna take equity from 1-2 of them & purchase a 3rd.  Sounds good, right?  ( this is the Garbage-in part )

Goes online & tells search engine Credit = "Excellent" The other Mortgage on the investment property he owns?  "covered by rental-don't count it" etc...etc- site spits out "congratulations! ( file this under Garbage-out)

Finally agrees to get things "rolling" & begin to apply for that loan to take equity out, & get the purchase loan approved too.  Guess what?  @$100k a year REPORTABLE  INCOME on tax returns. In order to refinance to a 900k loan, he's going to need to earn @ 350,000 yr due to all the consumer debt & other accounts he has.  (File this under uh-oh)

The moral?  Don't believe the hype. There is a reason you need to send your clients to some one you trust.  Local is good. 

Since there is no such thing as "average" in my opinion, knowing what some other guy got quoted for a 30 yr loan is of no value to someone who may not even qualify once they speak to a real mortgage professional.

One more hint:  If you want to speak to interested borrowers, you do what all advertisers do.  You LIE.  Most ads are misleading & at best, the rates posted apply to a select few.  The purpose is to get the phone to ring. 


Posted by Jeff Coon, Branch Manager (Annie Mac Home Mortgage) over 10 years ago

Hey Jeff-

With regards speed - A lot of our partners are doing automated quotes thru APIs.  Some of our users like this, some prefer a more manual response from a local lender.  But that is how the quotes are happening so fast.

With regards to consumers lying- Of course this can happen, and I hear what you are saying.  But here is one big reasonj why I think this happens less in the Zillow Mortgage Marketplace - the process of requesting a quote is anonymous.  So one doesn't have as much reason to lie, for example they are embarased about a credit score, as the information they are entering isn't going to be associated with them as a lead.  The person remains anonymous until they raise their own hand and ask to be contacted by a lender.  Seems odd that someone would take the time to fill this all out with knowingly bogus information, knowing that their misinformation would skew their results.  Does it happen? I am sure it does.  Does it happen less on a site where the consumer doesn't have to worry about becoming 'a lead'? I would guess yes.

Posted by Sara Bonert, Real Estate Internet Marketing (Zillow) over 10 years ago

Sara - While it is good that people can get loan information so quickly, I have to say that I prefer for my clients to talk to a local lender.  There are so many potential problems that might be difficult to resolve when using out of state lenders.

Posted by Sybil Campbell, REALTOR® ABR, SFR, SRES Williamsburg, Virginia (Long and Foster REALTORS® 5234 Monticello Ave Williamsburg, Virginia) over 10 years ago

You are absolutely on the money

Posted by Tom Larkin (360World.com) over 10 years ago

I just wish that I would have read this blog sooner.  What a great source of information.  Thanks for sharing.

Posted by Doug Leugers, Doug Leugers Real Estate Advisors (Leugers Real Estate Experts) over 10 years ago

Wonderful info....another bit of info that will be locked into my head....

Posted by Anonymous over 10 years ago


I mean no disrespect to you, nor your counterparts at Zillow.  As a confirmed lender with Zillow...hopefully I won't be banned over this comment, but all you have to do is go to your site's question and answer section under mortgages, and you will get a ton of information on what many of your loyal approved lenders think of Zillow's new mortgage concept.

It's horrible.

I am not one of the " Robo Quoters " using the API system.  It's a revenue stream for Zillow and the participating API sources that your firm has contracted with to do so.  I realize that Zillow is a business, so naturally you would want to maximize your revenue stream.

As for myself, I still occasionally manually quote, but as some of us Zillow members have discussed, it has become a waste of time.


When I key in my area San Diego for example, I often see 25, 50 100+ quotes from the robo quoters.  Many of us ethical members have shouted until we are blue about the misrepresentations that many using the API get away with on your site.

I quote ethically and complete.  Many others do Not.  Don't respond by telling me as lenders we can Flag the quote, as many on your site have done, it is ignored by your departments...I would assume due to overload.

Below are examples of issues brought up to your team on countless occasions.

Most apparent, many quote outrageous rates and fees.  You set up the screen to include all 800 fee categories which everyone is to complete.  Many only put the obvious such as appraisal, processing, etc.  Most of the outrageous quotes do not includes origination fees or discount points.  They can get around this with Zillows shortcoming that refer them to other costs associated with the loan at the bottom of the quote.

So the borrower calls your lowest APR or rate lender only to find out that rate has 2,3,4,5 pts associated with it to get that rate.  Maybe there is also an origination fee to boot. It was never on the original quote.  As a consumer, would you not be irate or disgusted?

Well, I can only tell you that if I were caught not disclosing properly by the Feds or CA DRE, I would be in very serious trouble.

With the new API system, lenders are allowed to place as many quotes or variations per request.  A common farce is where the client requests a 30 year rate, and gets bombarded with 15 year, 3/5/7 year arms.  The key here is that when they do this PLUS don't include all of their fees, they appear as the lowest APR.  Now you would think that these bait and switch lenders would wake up after making a few clients upset by lowballing.  Another recent gimmick of the APR quoters is to state a rate extremely below market, only to find out that there are thousands of dollars needed in discount points to get that rate..........it does get them at the top of the list when it comes to lowest rates.  This is a very common gimmick of Ditech

You said that  the requests can be submitted annonomously...that's true.  What that means is that the client is unable unless they go back in and rereview the request for more current rate updates to recieve them.  Countless times I have gone back in to update a rate say maybe to a significant rate reduction.  Unless the client request notification by giving their email, they never see this.

Many requestors place mutltiple request in daily just to get updated rates.  Many change their scenario lets say by down payment 95% LTV,90% LTV , 80% LTV.

Now this may be great for Zillows revenue stream and the API providers, but it really is a dis- service to the lenders who quote.

Add it up...at 25 cents per quote............hmmmmmm someone is making money.

Lastly, the Zillow boards have even had threads by requestors saying how overwelming it can be to sort out through all the rediculous and bogus quotes.....................still the powers to be ignore this issue.  Within seconds they have 50, 100 or more quotes in front of them.

There are countless other issues that I could discuss, but I am certain that my frustrated remarks will only be viewed with skepticism or contempt.

I have probably gone on too long here, and possibly over stepped by bounds.  Again, don't take this personal.....you are only doing your job.

I still participate on Zillow, but in the last year the credibility of the site has been very questionable.  Often our suggestions to Zillow on the boards is returned by shuttung the thread off for no comment, or very tarce remarks by a select few in the Ivory Towers.

Many of us lenders have voiced our concerns, even offered to be there as a sounding board before Zillow changes a concept.  Zillow continues to do their own thing regardless in the interest of the revenue stream.

While profit is what everyone is after, including me, there comes a point to where it is really is a disservice to the client.

One other issue is the lender rating system.  It is a joke. Time after time after time, we find bogus reviews.  The lender has a friend do a review.  Occasionally, but rarely does Zillow execute immediate resolution.  They have when called on the carpet on occasion, but rarely.

In closing, with all of the new regulations coming down the pipeline, if I were Zillow, I'd be extremely careful in this area.  Future fines and penalties for failure to disclose, or even improperly disclose could close a lender down ..maybe even Zillow in a heart beat.

Best Regards

Posted by Wayne L. Brown (Franklin Advantage Inc.) over 10 years ago

I am a "confirmed Lender" as Wayne on Zillow. As we, many ethical lenders that participate on ZMM have voiced their opinions as Wayne has expressed to ZMM to no avail.

Hopefully. with comments like this on a public forums like AR, things may change. Also, with the dicovery of Zillow's "F" BBB rating they may wish to improve the way they operate.

Posted by Rudi Hofmann, Inc. / upFront Mortgage Broker over 10 years ago

It makes sense to try to get a buyer as strong an approval as possible in this time when lending guidelines seem to be a moving target.

I like to have a lender with whom I have a good working relationship and a track record.

Posted by Christine Donovan, Broker/Attorney 714-319-9751 DRE01267479 - Costa M (Donovan Blatt Realty) over 10 years ago

Im sorry if this is a second post but Ive not seen my original show up. It may show up above later. If so, disregard this. If not, it was quite long and I dont feel like doing it again. In a nutshell---

DO NOT EVER consider anyone qualified if they have played with Zillows newest 'marketing toy'. Its not capable of being accurate. Zillow is a lead gathering site designed to hook fish from the net.

Posted by Marvin Von Renchler Security Trust Mortgage, Inc. Oregon over 10 years ago

I am also a confirmed lender on Zillow.  As the others have mentioned...........proceed with caution on Zillow.  Zillow is more concerned with the .25 cents per lead than working with reputable lenders.  Its a good site and their are good lenders on there, but proceed with extreme caution.

Posted by Robert Lowery NMLS 211598 (Prosperity Mortgage) over 10 years ago
Oh look more internet advertising by Zillow showcasing Allen Mishce and National Bank of Kansas City! (their biggest cash cow, and biggest scammer). Shameful......
Posted by Derek Brown over 10 years ago
As Wayne, Rudi and Bob have mentioned, the "service" has become laughable. The site is riddled with low-ball quotes, undeliverable quotes, and phony lender reviews. I am also a confirmed lender on Zillow. If the goal of the site is to generate hits and to lure customers to unscrupulous lenders, then it is performing quite excellent. By any other measure....not so much. It was a great concept at the onset, but simply grew too fast without quality control measures in place.
Posted by Justin Sheftell over 10 years ago

Hi, it's David G from Zillow,

Wayne (and Bob and Rudi) - 

You're wrong about Zillow's relationship with the pricing engines that are integrated to our site. API users do not pay to partner with Zillow and Zillow earns no revenue from quotes submitted by the API. Please stop repeating these rumors; they're false.

We believe that more options, more quotes, more information, more lenders to choose from -- is good for borrowers. We believe that a liquid marketplace will yield more competition and better value and service for consumers. I understand that some lenders prefer not to compete -- ZMM probably won't work well for those lenders and that's OK. 

Don't forget that ZMM is the ONLY place in the entire mortgage marketplace where lenders quotes are transparent to their competitors. It is impossible for lowballers to thrive for long under that scrutiny. 

We do in fact follow up on 100% of flagged quotes. In most of those cases we review the rate sheet and the adds that went into the quote. The vast majority of the quotes that have been flagged on Zillow have been for legitimate / do-able loan scenarios. Clearly most lenders are not capable of telling whether a loan is "do-able" merely by looking at the quote and I'd caution you to also think twice before lambasting your competitors.

I understand that it can be frustrating that you don't have visibility into our moderation processes but that's not going to change. It takes a few days to research flagged quotes (remember that not every quote that seems impossible to you actually is.) We have a 2-strikes and you're out system so please be aware of the fact that you will not know when a lender is on their final warning.  

If there are any specific cases you think Zillow has not followed up on, feel free to email them for my attention (davidg AT zillow.) Please stop repeating the false rumors about Zillow's relationship with the pricing engines and if you have questions about how the site's policed, please ask 'coz it won't always be obvious.


Posted by David Gibbons (Zillow.com) over 10 years ago