Am I obligated to accept an offer?
You are under no obligation to accept a loan offer that is presented to you. However, if you do accept a loan offer, you may be obligated to pay a fee to the lender (including LendingTree Loans or Home Loan Center) to begin the processing of your loan application should you choose to apply for a loan with that lender. See the
FAQ on
HomeLoanCenter.com for more information on LendingTree Loans and Home Loan Center.
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Can I mail, email or fax in my loan request?
LendingTree is committed to sending information to Lenders quickly and accurately. Using mail, email or fax would introduce the possibility of transcription errors, unnecessary delays and additional costs - which would reduce the benefits of using LendingTree! That is why we only accept loan requests through our online forms or over the phone where we can confirm the information you provide.
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Can I negotiate directly with the Lenders?
Absolutely. You are under no obligation to accept a Lender's first offer. In fact, if you've received a better offer from another Lender, we give you the opportunity to tell the Lender about it through our Web site. In most cases, when you receive your loan offers, we will provide you with contact information for each Lender. Feel free to contact the Lender directly to discuss different loan programs. However, if you accept a loan offer from a Lender, be sure to send your response through LendingTree so that we can update our records.
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Can you delete my information?
We cannot delete your loan request because we must maintain a record of your inquiry to comply with state and federal record retention laws. However, we do not share your information except in accordance with our Privacy Policy. Should a state or federal regulator request records of consumers who completed loan requests, as a regulated entity, we must comply with that request to produce any such records.
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How can I check on the credibility of LendingTree?
We think the best endorsement comes from people who found a loan through LendingTree. We get letters and emails each day from happy borrowers who found a loan. We've shared some of their comments in Customer Feedback. LendingTree is also a member of the Better Business Bureau. Please feel free to call them at (704) 527-0012 to check up on us.
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Do you have Lenders who deal with less-than-perfect credit?
Yes! We have Lenders who work with borrowers with perfect credit and less-than-perfect credit. Although we can't guarantee that you'll get a loan offer, we will try to match your loan request with Lenders who are eager to work with you.
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Does having a co-borrower improve my chances of finding a loan?
Including a co-borrower on your loan request may or may not affect your chances of finding a loan. Lenders will consider the credit reports, income, assets, debts and other information about both borrowers. Before you decide whether or not to include a co-borrower on your loan request, consider your combined financial picture.
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Does LendingTree and/or each Lender pull my credit report?
LendingTree pulls your credit report when you complete a loan request. LendingTree's inquiry does not count towards your credit score nor does it show up on your credit report to anyone but you.
Each Lender has their own policy about pulling your credit. Some may pull your credit before they make you a loan offer; others may pull your credit after you have accepted their offer. In all cases, LendingTree pulls your credit report when you complete a loan request.
Presently Fair Isaac Corporation (the company that provides "FICO" credit scores) provides that for mortgage or auto loans it disregards those inquiries made in the prior 30 days. All inquiries on your credit report within a 14-day period will count as one inquiry if you are looking for a mortgage to purchase a home, a mortgage to refinance your home, a home equity loan or line of credit or an auto loan. If you are looking for a personal loan or credit card, however, each inquiry will be counted as a separate inquiry.
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Why does LendingTree need my credit score?
LendingTree receives your credit score to help Lenders determine if they want to compete for your business. Because LendingTree has your credit score, the Lenders on our network are better able to give you loan offers that are customized for you, rather than just providing you lowball rate quotes with no regard to your credit or financial profile.
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What if I’m not comfortable with LendingTree pulling my credit score?
If you are not comfortable with LendingTree using a soft inquiry to pull your credit, you can be matched with Lenders through our QuickMatch process. QuickMatch will match you with Lenders who meet your criteria, but without your credit score, Lenders won’t be able to make loan offers until they talk to you directly and get permission to pull your credit.
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Does LendingTree charge any "upfront fees"?
LendingTree does not charge any kind of fee for the service of matching borrowers with lenders. In addition, no lender that you are matched with through LendingTree will ask you for any upfront fees to "guarantee" or "insure" a loan. Beware if you are asked for a fee or "insurance" before completing an application with a loan officer. No legitimate lender does this.
If you receive calls, letters or emails from “lenders” who say that they are LendingTree or who tell you that they represent LendingTree, make sure you know the facts:
LendingTree only matches customers with lenders on our network, including Home Loan Center or LendingTree Loans. You will be notified of lenders you are matched with either through emails from LendingTree, by a LendingTree Loan Specialist or by a Home Loan Center Specialist through emails or over the phone. Click here to review a full list of LendingTree lenders.
LendingTree and our lenders will not ask you to pay any money for approving a loan, guaranteeing a loan or for "insuring" a loan.
LendingTree and our lenders will not ask you to send a copy of your driver’s license or social security card before you have submitted an application with a loan officer. Please note: If you complete a loan request through LendingTree, you have not completed a loan application. You must do this with the lenders with whom you are matched.
LendingTree and our lenders will never ask for your bank account information before you complete your loan application.
Legitimate lenders may ask for and charge an interest rate lock fee, application fee or appraisal fee once you begin working with a loan officer. LendingTree suggests that you use a credit card when paying any fee for your protection.
For additional information on this important issue, please see the FTC notice on Advance-Fee Loan Scams.
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How do I get started?
It’s simple. From the home page (
www.LendingTree.com), select the loan type you want and complete an online loan request. It takes between 10 to 15 minutes to complete the form. If you need help, look for our calculators and tips to help you along the way. You can also contact LendingTree Customer Care at 1-888-272-1355 and complete a loan request over the phone.
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How can I change the information I submitted on my loan request?
In most cases, you will have to complete another loan request with the updated information. You can either do this online or by calling LendingTree Customer Care at 1-888-272-1355 where we can pre-fill much of your information using your initial loan request once you identify yourself.
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How can I learn more about the Lenders?
The LendingTree Lender Scorecard is a valuable resource you can use to gain additional information about the Lenders that may be competing for your business. After our customers close their loans, we ask them to rank their Lenders in a variety of customer satisfaction categories. Five stars is the highest possible rating. We hope our Lender Scorecard helps you select the Lender that's right for you. We look forward to your feedback after you close your loan.
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How can I update my email address?
Please contact our Customer Care Department at 1-888-272-1355 to correct or update your email address.
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How do I cancel my loan request?
We are sorry that you do not wish to continue with your loan request. As soon as you submit your request, we try to match it with Lenders on our network. If you have been matched with a lender, you must contact that lender directly to cancel your request. The lender's contact information is included in the details of your loan offer.
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I've accepted an offer. How do I close the loan?
After you accept an offer, you will need to communicate with the Lender directly (via mail, email or phone) to complete the loan process. You will need to verify the information you provided through our site through W-2 forms, pay stubs, house appraisals etc. You'll also need to sign the official application forms from the Lender and schedule a closing.
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How do I compare loan offers?
It's important that you evaluate all of the terms of each offer before you choose the one that's best for you. Compare the interest rate, APR, points, loan amount, loan term and other details of the loan offer. Please use our online calculators to help you make your decision.
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How do I get my Real Estate incentive?
Once you close your Real Estate transaction, please send us a copy of your HUD-1 closing statement, correct mailing address, and contact phone number to:
LendingTree, LLC
Attn: Real Estate Incentive
PMB 008
15105-D John J. Delaney Drive
Charlotte, NC 28277
EXPIRATION NOTICE: You must send in your information within 30 days after closing your real estate transaction in order to receive your bonus. Any bonus requests postmarked after 30 days from loan closing will be considered ineligible for the bonus.
This offer is subject to availability and is not available in all states. Certain states may require cash back to be given as a credit at closing. You should receive the bonus within 4-6 weeks upon LendingTree's receipt of your bonus request.
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How can I join the Affiliate Program?
Please go to
Join the Affiliate Program for more information.
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How secure will my information be?
LendingTree uses secure technology to ensure that the data you send us is protected, confidential and secure. Please see our
Security Policy for more information.
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How will I find out about my loan offers?
LendingTree will send you an e-mail with each lender’s loan offer when the lender responds, usually within minutes. When each Lender makes their decision, we will notify you via email. You will receive an email for each lender making an offer with the details of the offers.
If you do not have internet access, please contact LendingTree Customer Care at 1-888-272-1355 to find out your lender(s) and offers.
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How will LendingTree get competing offers?
LendingTree, LLC arranges for multiple loan offers either through its network of Lenders or though its affiliate, Home Loan Center (doing business as “LendingTree Loans”).
On the LendingTree network, Lenders provide to us criteria about the type of loan (for example, loan amount, whether purchase, refinance, or equity loan) and the type of loan customer (for example, state of residence or creditworthiness) in which the Lender is interested. LendingTree, LLC will provide your information to up to five Lenders whose criteria match your profile. If fewer than five Lenders match your profile, you will receive offers from fewer than five Lenders. If more than five Lenders match your profile, LendingTree, LLC will match you with five Lenders with a preference for those Lenders that have the highest customer satisfaction scores and the best record of making loans to previous LendingTree customers. If you are requesting a home equity loan or home equity line of credit, in some cases we may match you with up to four Lenders based on the above criteria as well as Home Loan Center / LendingTree Loans.
If you are matched solely with Home Loan Center / LendingTree Loans, you will speak with a single loan officer and will be provided with up to four offers based on the rates and terms provided to Home Loan Center / LendingTree Loans by its wholesale mortgage banks and investors. These wholesale mortgage banks and investors update their pricing with us from time-to-time (often daily). On occasion, Home Loan Center / LendingTree Loans may not be allowed to provide the name of the wholesale mortgage bank or investor, in which case, the offer may be simply listed under the name “Home Loan Center.” All loans are originated and closed by Home Loan Center / LendingTree Loans and then sold to a wholesale mortgage bank or investor.
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If I enter my email address incorrectly, how will I find out about my loan offers?
It is critical that you enter your email address correctly when completing a loan request. We use email to communicate with you when Lenders make a decision about your loan request. LendingTree is not responsible for any errors or delays in responding to a loan request caused by an incorrect email address provided by you or other technical problems beyond reasonable control. However, if it's been one business day since you completed your loan request and you haven't received an email, you may still get offers and they will be e-mailed to you as soon as available. If you are having problems, please contact LendingTree Customer Care at 1-888-272-1355 to find out your Lender(s) and offers.
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Do you have any job openings?
Please go to
LendingTree Jobs to check on available positions.
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I live outside the United States. Can I use LendingTree to find a loan?
At this time, we only service requests for loans that originate in the continental United States, Alaska and Hawaii.
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What if I don't have an email address?
The LendingTree system is designed to notify you via email that you have received a response from a Lender. If you don't have an email address, you can get one for FREE through web-based services such as Yahoo!, MSN and Gmail. In addition, you can call our call center at 1-888-272-1355.
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Why am I having problems accessing your Web site?
If you received the "User Session Not Available" error message, your "cookies" may not be enabled. If you are using Internet Explorer, please follow these steps:
Open your browser
Click on Tools on upper tool bar
Select Internet Options
Click on Security tab
Select Custom Level
Scroll down and check to see that Cookies are enabled
Click OK
If you are using Netscape, please follow these steps:
Open your browser
Click on Edit on upper tool bar
Select Preferences from the drop-down menu
Click on Advanced
Verify in the box that "Accept All Cookies" is checked
Click OK
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What are your closing costs?
LendingTree does not charge you for using its services. Each Lender you are matched with determines their own policy regarding closing costs. Unfortunately, we are unable to determine the amount of closing costs or out-of-pocket closing expenses. If we are able to match your request with a Lender, you may discuss your specific situation with them once you are in contact.
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What if I do not get matched with a Lender?
If we can't find a Lender who meets your needs, we will notify you almost immediately. If we can't match your loan request to a Lender, you may return to the Web site and complete a new loan request any time you want. We are always adding new Lenders to our network, so please continue to check back.
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What if I don't want to give you my social security number?
We request your social security number to ensure that we receive accurate information from the credit reporting agency. Our Lenders evaluate the information they receive in your loan request as well as the information contained within your credit report. For these reasons, we encourage you to enter correct information in the social security field. If you are worried about privacy and security, please check our
Privacy Policy and our
Security Policy to see how LendingTree uses your information.
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My question wasn't answered here. How can I contact LendingTree directly?
We want to be your advocate throughout the loan process. If you have questions or comments at any time, please contact our Customer Care Department at 1-888-272-1355.
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What information do you collect?
We ask questions about you, the type of loan you are looking for, and your financial situation (income, assets and debts). You may want to gather your pay stub or last year's tax return before you start completing the forms. If you're refinancing your mortgage or looking for a home equity loan or line of credit, we need to know about the terms of your current mortgage, how much you owe and how much you want to borrow.
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What is LendingTree?
By coming to LendingTree.com, you have accessed the leading online loan and realty services marketplace. LendingTree quickly connects consumers to Lenders (click for a list) who compete for your business. LendingTree Lenders offer an array of loan types, including mortgages, home equity loans, auto loans, personal loans, and credit cards. LendingTree provides a convenient 'one-stop-shop' for your loan needs by giving you choice, convenience and value while helping you find the lender or REALTOR® that's perfect for you.
LendingTree helps you get competing loan offers in one of two ways. First, there is the traditional LendingTree Network where you can get matched with up to four lenders who compete for your business. Second, there is the LendingTree Loans process. See the FAQ below for more information on the LendingTree Loans process.
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What is LendingTree Loans?
LendingTree LLC has a wholly owned subsidiary known as LendingTree Loans*. LendingTree Loans specializes in certain types of consumer loan requests. LendingTree Loans provides you with multiple offers without you having to talk directly with different lenders and loan officers.
If you happen to be matched with only LendingTree Loans, LendingTree Loans will provide you with up to four loan offers based on rates and terms provided by their wholesale mortgage banks and investors. Essentially these wholesale mortgage banks and investors are competing for your business – as their rates and terms change, the rates and terms of the offers available through LendingTree Loans change as well. On occasion, LendingTree Loans will not be able to reveal the name of the wholesale mortgage bank or investor upon which an offer is based, in which case the offer may be listed under the Home Loan Center name.
As always when you use LendingTree, you may review the loan offers and talk to a loan specialist at no cost. As in the case with most lenders, once you select the loan that is right for you, LendingTree Loans may require a fee to lock-in the rate and process your loan application. Before LendingTree Loans requires such a fee, you may stop at any time at no cost. If you are approved, LendingTree Loans will close the loan as your lender in its official name (Home Loan Center, Inc.) and sell it to a wholesale mortgage bank or investor. Of course, you will be responsible for paying the loan processing, underwriting, funding, and other closing costs and fees to LendingTree Loans when you close.
If you are matched with only LendingTree Loans, you are not required to use it. If you would prefer to receive offers directly from multiple lenders and speak with multiple loan officers, please contact LendingTree Customer Care at 1-888-272-1355, and your loan request will be sent to LendingTree’s Lender Network.
* LendingTree Loans is a trade name of Home Loan Center, Inc. Home Loan Center is a licensed mortgage lender/broker authorized to do business in all 50 states. In addition to the process described above, in certain cases, you may be matched with Home Loan Center as one of your lenders, in which case they will compete with the other LendingTree Network lenders for your business. In that case, you are not required to use Home Loan Center.
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How will I find out which Lenders are reviewing my loan request?
We'll send you the names of the Lenders who are reviewing your loan request via email. If you do not have internet access, please contact LendingTree Customer Care at 1-888-272-1355 to find out your lender(s) and offers.
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Will you share or sell my information?
LendingTree believes that you should be aware of who we are, the types of information we may collect on our Web site, and what we do with your personal information. Please see our
Privacy Policy. Your information will be shared with the lender(s) with whom you are matched so that they can respond to your loan request.
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