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It is my opinion that prior to the format of API, ZMM needed us to keep the site clean, give good advice, attract borrowers by giving excellent quotes and services. Since API first took place, around November of 2008, slowly everything has changed.
It appears that that Zillow has turned their backs on the very lenders who have helped make this site a huge success for them and have replaced us with mass lenders who are signing up for API. No longer the need for accuracy, integrity, policing the site for bad lenders and quotes. It seems obvious to many of us.
David G hardly hops on the threads anymore and when he does it is in the defense of API lenders who have blasted out thousands of bad quotes due to, "system or software error(s)."
Because of all the above, I have gone to other sites to get business because my contact ratio has dropped on Zillow. Prior to ZMM tweaking the format even more for the API lenders, I used to get more than 30 contacts per week from ZIllow borrowers and/or those who have just picked me because of my profile etc. Now, the contacts have been cut in half and even less. Though, since I have been carefully quoting and selective, over the past week, my contact ratio has spiked upward.
So, best advice I can give is to find the quotes the API lenders have totally botched and those we can be as competitive if not moreso. The borowers will catch on to the hoax of the API lenders who are gaming the system with bad quotes , those who quote hundreds and thousands of miles away from the borrowers, and ZMM's attempts to skew business to them. Then, when it happens, I'll bet the review system will benished in place of something else? Why? It will be embarrassing to ZMM that the top lenders on ZMM manually quote and goes against their business plan.
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OK. I haven't quoted in months. Taking Greg's advice I decided I will quote Local Niche.
My quoted rate is less but my monthly payment is higher. Could someone explain how this happened.
By the way, I deleted and did this 3 times thinking it was me. Maybe it still is?
http://www.zillow.com/mortgage/LoanRequestAndQuotes.htm?loanRequestId=X1-ZRz0u1cc9j3l6u_wb2n
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Andrew,
Cann the API. I gave it a quick thought when Vin Diesel aka David Goobons tried to sell me on it months ago. After thinking about it I decided that I can do much better quoting on a manual basis. I don't need Loan Sifter to price out a quote. I memorize some rates on rate sheets, have calculator in hand and quote. I believe the accuracy level doing it that way is superior.
I won't price out a loan unless I can do it and stay profitable. My quotes are competitive but I am not making just 15 points. What idiot is going to do loans for that? Better be doing about 25 per month . . .
Oh, did I mispell Gibbons? :-)
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Since January 2009
Featured Rates are based on state rates for 30 year fixed loans and are valid for the date shown, but they may change without notice. They are for consumers with a credit rating of 720 or higher and a 20% or higher down payment. Rate, terms, pre-paid finance charges, and APR may vary based on factors such as creditworthiness of the applicant(s), self employment status of the applicant(s), condo or townhouse structure, loan amount, and geographic location of the property.
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Fellow Members / What is Your Take on Manual Quoting? Worth It or Waste?
Wayne Brown, "SDMortgagefinder.com"
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Since July 2009
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I have tired the manual quoting route, and while I stopped a while back, still wonder if it is worth restarting.
Know your time is valuable, but would appreciate any honest feedback.
Best Regards
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