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<script type="text/javascript" src="https://www.lendingtree.com/wpm/app/mu-plugins/lt-blocks/build/blocks/extend-faq/view.js?ver=5303f65a105ad0235926" id="lendingtree-block-extend-faq-script-js"></script>
<script type="text/javascript" src="https://cloud.wordlift.io/app/bootstrap.js?ver=6.6.1" id="wordlift-js" async="async" data-wp-strategy="async"></script>
<script>window.HOST_LENDINGTREE = "https://www.lendingtree.com";</script><style id='wp-fonts-local' type='text/css'>
@font-face{font-family:Lato;font-style:normal;font-weight:400;font-display:swap;src:url('https://www.lendingtree.com/wpm/app/themes/lendingtree/assets/fonts/Lato-Regular.woff2') format('woff2');}
@font-face{font-family:Lato;font-style:italic;font-weight:400;font-display:swap;src:url('https://www.lendingtree.com/wpm/app/themes/lendingtree/assets/fonts/Lato-Italic.woff2') format('woff2');}
@font-face{font-family:Lato;font-style:normal;font-weight:700;font-display:swap;src:url('https://www.lendingtree.com/wpm/app/themes/lendingtree/assets/fonts/Lato-Bold.woff2') format('woff2');}
@font-face{font-family:Lato;font-style:italic;font-weight:700;font-display:swap;src:url('https://www.lendingtree.com/wpm/app/themes/lendingtree/assets/fonts/Lato-BoldItalic.woff2') format('woff2');}
@font-face{font-family:"DM Serif Display";font-style:normal;font-weight:400;font-display:swap;src:url('https://www.lendingtree.com/wpm/app/themes/lendingtree/assets/fonts/DMSerifDisplay-Regular.woff2') format('woff2');}
@font-face{font-family:"DM Serif Display";font-style:italic;font-weight:400;font-display:swap;src:url('https://www.lendingtree.com/wpm/app/themes/lendingtree/assets/fonts/DMSerifDisplay-Italic.woff2') format('woff2');}
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c-id="991637.113.9.0"><!--t.991637.114.10.0-->Home Insurance</a></li><li class="sc-ltc-wpm-header" c-id="991637.115.8.2"><a href="https://www.lendingtree.com/renters-insurance/?icid=wp-menu-ins-rent" class="sc-ltc-wpm-header" c-id="991637.116.9.0"><!--t.991637.117.10.0-->Renters Insurance</a></li></ul></li></ul></nav></li></ul><div class="right sc-ltc-wpm-header" c-id="991637.118.2.1"><ul class="nav-actions sc-ltc-wpm-header" c-id="991637.119.3.0"><li class="sign-up sc-ltc-wpm-header" c-id="991637.120.4.0"><a class="nav-action sign-up sc-ltc-wpm-header" href="https://spring.lendingtree.com/enroll?icid=header-signup" c-id="991637.121.5.0"><!--t.991637.122.6.0-->Sign up</a></li><li class="sign-in sc-ltc-wpm-header" c-id="991637.123.4.1"><a class="nav-action sign-in sc-ltc-wpm-header" href="https://spring.lendingtree.com/homebase?icid=header+signin" c-id="991637.124.5.0"><!--t.991637.125.6.0-->Log in</a></li><li class="side-section sc-ltc-wpm-header" data-section="side-section" c-id="991637.126.4.2"><button type="button" class="side-section sc-ltc-wpm-header" aria-label="Main Menu" aria-expanded="false" c-id="991637.127.5.0"><ltc-icon class="sc-ltc-wpm-header sc-ltc-icon-h icon-small sc-ltc-icon hydrated" color="#ffffff" name="menu" size="small" c-id="991637.128.6.0" s-id="991643"><template shadowrootmode="open"><style sty-id="sc-ltc-icon">:host{box-sizing:content-box;contain:strict;display:inline-block;height:1em;width:1em}.icon-inner,svg{display:block;height:100%;width:100%}:host(.icon-tiny){font-size:16px !important}:host(.icon-small){font-size:24px !important}:host(.icon-medium){font-size:32px !important}:host(.icon-large){font-size:48px !important}</style><div class="icon-inner sc-ltc-icon" role="img" aria-label="Main Menu" c-id="991643.0.0.0"><svg class="sc-ltc-icon" c-id="991643.1.1.0"></svg></div></template><!--r.991643--></ltc-icon></button></li></ul></div></div><div class="search-container hidden sc-ltc-wpm-header" c-id="991637.129.1.1"><search class="sc-ltc-wpm-header" c-id="991637.130.2.0"><form method="get" class="search-form sc-ltc-wpm-header" action="https://www.lendingtree.com/search-page/" c-id="991637.131.3.0"><label class="search-label sc-ltc-wpm-header" c-id="991637.132.4.0"><ltc-input-text class="sc-ltc-wpm-header sc-ltc-input-text-h hydrated" c-id="991637.133.5.0" s-id="991644"><!--r.991644--><!--o.991637.134.c--><!--o.991637.135.c--><div class="input-container ltc-input-size-medium sc-ltc-input-text sc-ltc-input-text-s" c-id="991644.0.0.0"><!--s.991644.1.1.0.leftIcon--><ltc-icon slot="leftIcon" class="sc-ltc-wpm-header sc-ltc-icon-h sc-ltc-icon hydrated" color="#101f30" name="search-outline" c-id="991637.134.6.0" s-id="991645"><template shadowrootmode="open"><style sty-id="sc-ltc-icon">:host{box-sizing:content-box;contain:strict;display:inline-block;height:1em;width:1em}.icon-inner,svg{display:block;height:100%;width:100%}:host(.icon-tiny){font-size:16px !important}:host(.icon-small){font-size:24px !important}:host(.icon-medium){font-size:32px !important}:host(.icon-large){font-size:48px !important}</style><div class="icon-inner sc-ltc-icon" role="img" aria-label="Search" c-id="991645.0.0.0"><svg class="sc-ltc-icon" c-id="991645.1.1.0"></svg></div></template><!--r.991645--></ltc-icon><input type="text" id="ltc-input-text-0" autocomplete="off" name="search" placeholder="How can we help you?" required="" aria-disabled="false" aria-readonly="false" aria-required="true" class="sc-ltc-input-text" c-id="991644.2.1.1"><!--s.991644.3.1.2.rightIcon--><button type="reset" slot="rightIcon" class="clear-search hidden sc-ltc-wpm-header" c-id="991637.135.6.1"><ltc-icon class="sc-ltc-wpm-header sc-ltc-icon-h sc-ltc-icon hydrated" color="#999999" name="close" c-id="991637.136.7.0" s-id="991646"><template shadowrootmode="open"><style sty-id="sc-ltc-icon">:host{box-sizing:content-box;contain:strict;display:inline-block;height:1em;width:1em}.icon-inner,svg{display:block;height:100%;width:100%}:host(.icon-tiny){font-size:16px !important}:host(.icon-small){font-size:24px !important}:host(.icon-medium){font-size:32px !important}:host(.icon-large){font-size:48px !important}</style><div class="icon-inner sc-ltc-icon" role="img" aria-label="Clear Search" c-id="991646.0.0.0"><svg class="sc-ltc-icon" c-id="991646.1.1.0"></svg></div></template><!--r.991646--></ltc-icon></button></div></ltc-input-text></label><button type="submit" class="search-submit sc-ltc-wpm-header" c-id="991637.137.4.1"><!--t.991637.138.5.0-->Search</button></form></search></div><div class="side-container hidden sc-ltc-wpm-header" c-id="991637.139.1.2"><ltc-wpm-header-mobile class="sc-ltc-wpm-header sc-ltc-wpm-header-mobile-h hydrated" c-id="991637.140.2.0" s-id="991647"><template shadowrootmode="open"><style sty-id="sc-ltc-wpm-header-mobile">:host{display:block;height:100%;overflow-y:auto;position:relative;scrollbar-width:thin}button{background:none;border:none}ul,li{list-style:none;margin:0;padding:0}.nav-item{text-align:left}.nav-link{align-items:center;color:oklch(1 0 0);cursor:pointer;display:flex;font:bold 16px/1 "Lato", sans-serif;justify-content:space-between;padding:16px;width:100%}.nav-link span{align-items:center;display:flex;gap:16px}.submenu{background-color:oklch(36.42% 0.056 251.36);display:none}.submenu a{color:oklch(1 0 0);display:block;font:bold 14px/1 "Lato", sans-serif;padding:12px 0 12px 56px;text-decoration:none}.submenu a:hover{color:oklch(71.42% 0.168 157.15)}.submenu.open{display:block}.more-nav{border-top:1px solid oklch(63.98% 0.013 223.62);margin:48px 16px 0;padding:16px 0 48px}.more-nav .slogan{color:oklch(1 0 0);font:normal 16px/24px "Lato", sans-serif;margin-bottom:16px}.more-nav .menu-sign-in-btn-block{display:flex;gap:16px}.more-nav .menu-sign-in-btn-block a{align-items:center;border:2px solid oklch(1 0 0);border-radius:35px;color:oklch(1 0 0);display:flex;flex:1 0 0;font:bold 14px/1 "Lato", sans-serif;height:35px;justify-content:center;text-decoration:none}.more-nav .menu-sign-in-btn-block a:hover,.more-nav .menu-sign-in-btn-block a:focus{background-color:oklch(36.16% 0.102 249.7);cursor:pointer}</style><nav class="main-nav sc-ltc-wpm-header-mobile" aria-label="Main Site Navigation" c-id="991647.0.0.0"><ul class="nav-list sc-ltc-wpm-header-mobile" c-id="991647.1.1.0"><li class="nav-item sc-ltc-wpm-header-mobile" data-section="personal-loan" c-id="991647.2.2.0"><button type="button" class="nav-link sc-ltc-wpm-header-mobile" aria-label="Loans, see more" aria-expanded="false" c-id="991647.3.3.0"><span class="sc-ltc-wpm-header-mobile" c-id="991647.4.4.0"><ltc-icon class="sc-ltc-wpm-header-mobile sc-ltc-icon-h icon-small sc-ltc-icon hydrated" color="#ffffff" name="personal-loan" size="small" c-id="991647.5.5.0" s-id="991648"><template shadowrootmode="open"><style sty-id="sc-ltc-icon">:host{box-sizing:content-box;contain:strict;display:inline-block;height:1em;width:1em}.icon-inner,svg{display:block;height:100%;width:100%}:host(.icon-tiny){font-size:16px !important}:host(.icon-small){font-size:24px !important}:host(.icon-medium){font-size:32px !important}:host(.icon-large){font-size:48px !important}</style><div class="icon-inner sc-ltc-icon" role="img" aria-label="Loans" c-id="991648.0.0.0"><svg class="sc-ltc-icon" c-id="991648.1.1.0"></svg></div></template><!--r.991648--></ltc-icon><!--t.991647.6.5.1-->Loans</span><ltc-icon class="sc-ltc-wpm-header-mobile sc-ltc-icon-h icon-small sc-ltc-icon hydrated" color="#ffffff" name="chevron-down" size="small" c-id="991647.7.4.1" s-id="991649"><template shadowrootmode="open"><style sty-id="sc-ltc-icon">:host{box-sizing:content-box;contain:strict;display:inline-block;height:1em;width:1em}.icon-inner,svg{display:block;height:100%;width:100%}:host(.icon-tiny){font-size:16px !important}:host(.icon-small){font-size:24px !important}:host(.icon-medium){font-size:32px !important}:host(.icon-large){font-size:48px !important}</style><div class="icon-inner sc-ltc-icon" role="img" aria-label="Expand" c-id="991649.0.0.0"><svg class="sc-ltc-icon" c-id="991649.1.1.0"></svg></div></template><!--r.991649--></ltc-icon></button><ul class="submenu sc-ltc-wpm-header-mobile" aria-hidden="true" c-id="991647.8.3.1"><li class="sc-ltc-wpm-header-mobile" c-id="991647.9.4.0"><a href="https://www.lendingtree.com/personal/?icid=wp-menu-loan-pl" class="sc-ltc-wpm-header-mobile" c-id="991647.10.5.0"><!--t.991647.11.6.0-->Personal Loans</a></li><li class="sc-ltc-wpm-header-mobile" c-id="991647.12.4.1"><a href="https://www.lendingtree.com/debt-consolidation/?icid=wp-menu-loan-dc" class="sc-ltc-wpm-header-mobile" c-id="991647.13.5.0"><!--t.991647.14.6.0-->Debt Consolidation Loans</a></li><li class="sc-ltc-wpm-header-mobile" c-id="991647.15.4.2"><a href="https://www.lendingtree.com/personal/best-personal-loans-for-bad-credit/?icid=wp-menu-loan-badcredit" class="sc-ltc-wpm-header-mobile" c-id="991647.16.5.0"><!--t.991647.17.6.0-->Loans for Bad Credit</a></li><li class="sc-ltc-wpm-header-mobile" c-id="991647.18.4.3"><a href="https://www.lendingtree.com/auto/?icid=wp-menu-loan-auto" class="sc-ltc-wpm-header-mobile" c-id="991647.19.5.0"><!--t.991647.20.6.0-->Auto Loans</a></li><li class="sc-ltc-wpm-header-mobile" c-id="991647.21.4.4"><a href="https://www.lendingtree.com/auto/refinance/?icid=wp-menu-auto-refi" class="sc-ltc-wpm-header-mobile" c-id="991647.22.5.0"><!--t.991647.23.6.0-->Auto Loan Refinance</a></li></ul></li><li class="nav-item sc-ltc-wpm-header-mobile" data-section="business-loan" c-id="991647.24.2.1"><button type="button" class="nav-link sc-ltc-wpm-header-mobile" aria-label="Business, see more" aria-expanded="false" c-id="991647.25.3.0"><span class="sc-ltc-wpm-header-mobile" c-id="991647.26.4.0"><ltc-icon class="sc-ltc-wpm-header-mobile sc-ltc-icon-h icon-small sc-ltc-icon hydrated" color="#ffffff" name="business-loan" size="small" c-id="991647.27.5.0" s-id="991650"><template shadowrootmode="open"><style sty-id="sc-ltc-icon">:host{box-sizing:content-box;contain:strict;display:inline-block;height:1em;width:1em}.icon-inner,svg{display:block;height:100%;width:100%}:host(.icon-tiny){font-size:16px !important}:host(.icon-small){font-size:24px !important}:host(.icon-medium){font-size:32px !important}:host(.icon-large){font-size:48px !important}</style><div class="icon-inner sc-ltc-icon" role="img" aria-label="Business" c-id="991650.0.0.0"><svg class="sc-ltc-icon" c-id="991650.1.1.0"></svg></div></template><!--r.991650--></ltc-icon><!--t.991647.28.5.1-->Business</span><ltc-icon class="sc-ltc-wpm-header-mobile sc-ltc-icon-h icon-small sc-ltc-icon hydrated" color="#ffffff" name="chevron-down" size="small" c-id="991647.29.4.1" s-id="991651"><template shadowrootmode="open"><style sty-id="sc-ltc-icon">:host{box-sizing:content-box;contain:strict;display:inline-block;height:1em;width:1em}.icon-inner,svg{display:block;height:100%;width:100%}:host(.icon-tiny){font-size:16px !important}:host(.icon-small){font-size:24px !important}:host(.icon-medium){font-size:32px !important}:host(.icon-large){font-size:48px !important}</style><div class="icon-inner sc-ltc-icon" role="img" aria-label="Expand" c-id="991651.0.0.0"><svg class="sc-ltc-icon" c-id="991651.1.1.0"></svg></div></template><!--r.991651--></ltc-icon></button><ul class="submenu sc-ltc-wpm-header-mobile" aria-hidden="true" c-id="991647.30.3.1"><li class="sc-ltc-wpm-header-mobile" c-id="991647.31.4.0"><a href="https://www.lendingtree.com/business/small/?icid=wp-menu-biz-smb" class="sc-ltc-wpm-header-mobile" c-id="991647.32.5.0"><!--t.991647.33.6.0-->Business Loans</a></li><li class="sc-ltc-wpm-header-mobile" c-id="991647.34.4.1"><a href="https://www.lendingtree.com/business/line-of-credit/?icid=wp-menu-biz-loc" class="sc-ltc-wpm-header-mobile" c-id="991647.35.5.0"><!--t.991647.36.6.0-->Business Line of Credit</a></li><li class="sc-ltc-wpm-header-mobile" c-id="991647.37.4.2"><a href="https://www.lendingtree.com/business/working-capital/?icid=wp-menu-biz-wc" class="sc-ltc-wpm-header-mobile" c-id="991647.38.5.0"><!--t.991647.39.6.0-->Working Capital Loans</a></li><li class="sc-ltc-wpm-header-mobile" c-id="991647.40.4.3"><a href="https://www.lendingtree.com/business/how-to-get-a-startup-business-loan/?icid=wp-menu-biz-startup" class="sc-ltc-wpm-header-mobile" c-id="991647.41.5.0"><!--t.991647.42.6.0-->Startup Business Loans</a></li></ul></li><li class="nav-item sc-ltc-wpm-header-mobile" data-section="mortgage" c-id="991647.43.2.2"><button type="button" class="nav-link sc-ltc-wpm-header-mobile" aria-label="Mortgages, see more" aria-expanded="false" c-id="991647.44.3.0"><span class="sc-ltc-wpm-header-mobile" c-id="991647.45.4.0"><ltc-icon class="sc-ltc-wpm-header-mobile sc-ltc-icon-h icon-small sc-ltc-icon hydrated" color="#ffffff" name="mortgage" size="small" c-id="991647.46.5.0" s-id="991652"><template shadowrootmode="open"><style sty-id="sc-ltc-icon">:host{box-sizing:content-box;contain:strict;display:inline-block;height:1em;width:1em}.icon-inner,svg{display:block;height:100%;width:100%}:host(.icon-tiny){font-size:16px !important}:host(.icon-small){font-size:24px !important}:host(.icon-medium){font-size:32px !important}:host(.icon-large){font-size:48px !important}</style><div class="icon-inner sc-ltc-icon" role="img" aria-label="Mortgages" c-id="991652.0.0.0"><svg class="sc-ltc-icon" c-id="991652.1.1.0"></svg></div></template><!--r.991652--></ltc-icon><!--t.991647.47.5.1-->Mortgages</span><ltc-icon class="sc-ltc-wpm-header-mobile sc-ltc-icon-h icon-small sc-ltc-icon hydrated" color="#ffffff" name="chevron-down" size="small" c-id="991647.48.4.1" s-id="991653"><template shadowrootmode="open"><style sty-id="sc-ltc-icon">:host{box-sizing:content-box;contain:strict;display:inline-block;height:1em;width:1em}.icon-inner,svg{display:block;height:100%;width:100%}:host(.icon-tiny){font-size:16px !important}:host(.icon-small){font-size:24px !important}:host(.icon-medium){font-size:32px !important}:host(.icon-large){font-size:48px !important}</style><div class="icon-inner sc-ltc-icon" role="img" aria-label="Expand" c-id="991653.0.0.0"><svg class="sc-ltc-icon" c-id="991653.1.1.0"></svg></div></template><!--r.991653--></ltc-icon></button><ul class="submenu sc-ltc-wpm-header-mobile" aria-hidden="true" c-id="991647.49.3.1"><li class="sc-ltc-wpm-header-mobile" c-id="991647.50.4.0"><a href="https://www.lendingtree.com/home/mortgage/rates/?icid=wp-menu-home-mtg" class="sc-ltc-wpm-header-mobile" c-id="991647.51.5.0"><!--t.991647.52.6.0-->Mortgage Rates</a></li><li class="sc-ltc-wpm-header-mobile" c-id="991647.53.4.1"><a href="https://www.lendingtree.com/home/home-equity/?icid=wp-menu-home-he" class="sc-ltc-wpm-header-mobile" c-id="991647.54.5.0"><!--t.991647.55.6.0-->Home Equity Loan Rates</a></li><li class="sc-ltc-wpm-header-mobile" c-id="991647.56.4.2"><a href="https://www.lendingtree.com/home/home-equity/heloc/?icid=wp-menu-home-heloc" class="sc-ltc-wpm-header-mobile" c-id="991647.57.5.0"><!--t.991647.58.6.0-->HELOC Rates</a></li><li class="sc-ltc-wpm-header-mobile" c-id="991647.59.4.3"><a href="https://www.lendingtree.com/home/refinance/?icid=wp-menu-home-refi" class="sc-ltc-wpm-header-mobile" c-id="991647.60.5.0"><!--t.991647.61.6.0-->Refinance Rates</a></li><li class="sc-ltc-wpm-header-mobile" c-id="991647.62.4.4"><a href="https://www.lendingtree.com/home/refinance/cash-out/?icid=wp-menu-home-corefi" class="sc-ltc-wpm-header-mobile" c-id="991647.63.5.0"><!--t.991647.64.6.0-->Cash out Refinance</a></li></ul></li><li class="nav-item sc-ltc-wpm-header-mobile" data-section="credit-cards" c-id="991647.65.2.3"><button type="button" class="nav-link sc-ltc-wpm-header-mobile" aria-label="Credit Cards, see more" aria-expanded="false" c-id="991647.66.3.0"><span class="sc-ltc-wpm-header-mobile" c-id="991647.67.4.0"><ltc-icon class="sc-ltc-wpm-header-mobile sc-ltc-icon-h icon-small sc-ltc-icon hydrated" color="#ffffff" name="credit-cards" size="small" c-id="991647.68.5.0" s-id="991654"><template shadowrootmode="open"><style sty-id="sc-ltc-icon">:host{box-sizing:content-box;contain:strict;display:inline-block;height:1em;width:1em}.icon-inner,svg{display:block;height:100%;width:100%}:host(.icon-tiny){font-size:16px !important}:host(.icon-small){font-size:24px !important}:host(.icon-medium){font-size:32px !important}:host(.icon-large){font-size:48px !important}</style><div class="icon-inner sc-ltc-icon" role="img" aria-label="Credit Cards" c-id="991654.0.0.0"><svg class="sc-ltc-icon" c-id="991654.1.1.0"></svg></div></template><!--r.991654--></ltc-icon><!--t.991647.69.5.1-->Credit Cards</span><ltc-icon class="sc-ltc-wpm-header-mobile sc-ltc-icon-h icon-small sc-ltc-icon hydrated" color="#ffffff" name="chevron-down" size="small" c-id="991647.70.4.1" s-id="991655"><template shadowrootmode="open"><style sty-id="sc-ltc-icon">:host{box-sizing:content-box;contain:strict;display:inline-block;height:1em;width:1em}.icon-inner,svg{display:block;height:100%;width:100%}:host(.icon-tiny){font-size:16px !important}:host(.icon-small){font-size:24px !important}:host(.icon-medium){font-size:32px !important}:host(.icon-large){font-size:48px !important}</style><div class="icon-inner sc-ltc-icon" role="img" aria-label="Expand" c-id="991655.0.0.0"><svg class="sc-ltc-icon" c-id="991655.1.1.0"></svg></div></template><!--r.991655--></ltc-icon></button><ul class="submenu sc-ltc-wpm-header-mobile" aria-hidden="true" c-id="991647.71.3.1"><li class="sc-ltc-wpm-header-mobile" c-id="991647.72.4.0"><a href="https://www.lendingtree.com/credit-cards/?icid=wp-menu-cc-cc" class="sc-ltc-wpm-header-mobile" c-id="991647.73.5.0"><!--t.991647.74.6.0-->Best Credit Cards</a></li><li class="sc-ltc-wpm-header-mobile" c-id="991647.75.4.1"><a href="https://www.lendingtree.com/credit-cards/best/balance-transfer/?icid=wp-menu-cc-bt" class="sc-ltc-wpm-header-mobile" c-id="991647.76.5.0"><!--t.991647.77.6.0-->Balance Transfer Credit Cards</a></li><li class="sc-ltc-wpm-header-mobile" c-id="991647.78.4.2"><a href="https://www.lendingtree.com/credit-cards/best/cashback-credit-cards/?icid=wp-menu-cc-cb" class="sc-ltc-wpm-header-mobile" c-id="991647.79.5.0"><!--t.991647.80.6.0-->Cash Back Credit Cards</a></li><li class="sc-ltc-wpm-header-mobile" c-id="991647.81.4.3"><a href="https://www.lendingtree.com/credit-cards/best/bad-credit/?icid=wp-menu-cc-bc" class="sc-ltc-wpm-header-mobile" c-id="991647.82.5.0"><!--t.991647.83.6.0-->Credit Cards for Bad Credit</a></li></ul></li><li class="nav-item sc-ltc-wpm-header-mobile" data-section="insurance" c-id="991647.84.2.4"><button type="button" class="nav-link sc-ltc-wpm-header-mobile" aria-label="Insurance, see more" aria-expanded="false" c-id="991647.85.3.0"><span class="sc-ltc-wpm-header-mobile" c-id="991647.86.4.0"><ltc-icon class="sc-ltc-wpm-header-mobile sc-ltc-icon-h icon-small sc-ltc-icon hydrated" color="#ffffff" name="insurance" size="small" c-id="991647.87.5.0" s-id="991656"><template shadowrootmode="open"><style sty-id="sc-ltc-icon">:host{box-sizing:content-box;contain:strict;display:inline-block;height:1em;width:1em}.icon-inner,svg{display:block;height:100%;width:100%}:host(.icon-tiny){font-size:16px !important}:host(.icon-small){font-size:24px !important}:host(.icon-medium){font-size:32px !important}:host(.icon-large){font-size:48px !important}</style><div class="icon-inner sc-ltc-icon" role="img" aria-label="Insurance" c-id="991656.0.0.0"><svg class="sc-ltc-icon" c-id="991656.1.1.0"></svg></div></template><!--r.991656--></ltc-icon><!--t.991647.88.5.1-->Insurance</span><ltc-icon class="sc-ltc-wpm-header-mobile sc-ltc-icon-h icon-small sc-ltc-icon hydrated" color="#ffffff" 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<h1 class="wp-block-post-title">How to Find a Real Estate Agent in 5 Easy Steps</h1>

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<p class="Paragraph--root wp-block-paragraph Paragraph--align-left  ">
Whether you&#8217;re buying or selling a home, learning how to find a real estate agent should be one of your first steps. A good agent can help you navigate a process rife with pitfalls and scams, all while making sure you get the best deal.&nbsp;
</p>


<p class="Paragraph--root wp-block-paragraph Paragraph--align-left  ">
We’ll cover some tips to help you find a good real estate agent who’ll keep your interests top of mind.&nbsp;
</p>


<p class="Paragraph--root wp-block-paragraph Paragraph--align-left  ">
A real estate agent is a licensed professional that can help you buy or sell a home. A good real estate agent should be a “local expert,” with a wealth of knowledge about the neighborhoods, home prices and issues in your specific area. They should also have enough experience <a href="https://www.lendingtree.com/home/mortgage/how-to-negotiate-a-home-purchase/">negotiating home prices</a> to make sure you’re getting a good deal.
</p>


<h2 class="Heading--root Heading--h2 wp-block-lendingtree-block-heading Heading--align-left has-lt-deep-blue-color" id="how-to-find-a-real-estate-agent-5-steps">
<span class="Heading--content">
    How to find a real estate agent: 5 steps
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</h2>


<h3 class="Heading--root Heading--h3 wp-block-lendingtree-block-heading Heading--align-left has-lt-deep-blue-color" id="1-reach-out-to-your-local-network-for-referrals">
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    1. Reach out to your local network for referrals.
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<p class="Paragraph--root wp-block-paragraph Paragraph--align-left  ">
Ask around to see if anyone you know has had positive experiences buying or selling a home. Personal referrals are a great way to find local agents with a good reputation. You can also contact your local Realtors® association, either online or by phone. They’ll have a list of agents who work in the area you&#8217;re looking to buy (or sell) in. The National Association of Realtors® (NAR) also has a <a href="https://www.realtor.com/agentconnection" target="_blank" rel="noreferrer noopener nofollow">free online search tool</a>.
</p>


<h3 class="Heading--root Heading--h3 wp-block-lendingtree-block-heading Heading--align-left has-lt-deep-blue-color" id="2-look-at-listings">
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    2. Look at listings
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<p class="Paragraph--root wp-block-paragraph Paragraph--align-left  ">
Online real estate listings can also put you in contact with a wide range of local agents. On many sites, you can easily view an agent’s profile and website or contact information.&nbsp;
</p>


<p class="Paragraph--root wp-block-paragraph Paragraph--align-left  ">
Even if you’re just exploring the market in your area and still in the “information gathering” phase of home buying, it’s not uncommon to get the itch to go out and tour some homes. Just know that you may have to sign a short-term buyers agreement — also known as a touring agreement — with an agent in order to tour a house.&nbsp;
</p>


<p class="Paragraph--root wp-block-paragraph Paragraph--align-left  ">
The most important thing to know about a touring agreement applies to all buyer agreements:<strong> Everything in it is negotiable.</strong> It can last for a single day and only apply to a single home — you won’t have to commit to this particular real estate agent long term just to have them show you a home, and you don’t have to agree to pay anything.
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                      <h3 class="CalloutBox--title">
              Are short-term buyer agreements a new thing?
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<p class="Paragraph--root wp-block-paragraph Paragraph--align-left  ">
Since 2024, all Realtors (members of the National Association of Realtors) have been required to sign a buyer agreement with you in order to show you a home. This requirement originally applied only to Realtors, but has been widely adopted by real estate agents who aren’t part of NAR as well.
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<p class="Paragraph--root wp-block-paragraph Paragraph--align-left  ">
It’s also good to be aware that tour requests on many online real estate listing sites (like Zillow) don’t go to the seller’s agent. Instead, they go to a buyer’s agent who’s paid the site for leads. It’s fine to work with that person for the purposes of getting a tour — just know that they have no special knowledge of the home you’re touring, since they’re not selling it. They’re showing it to you in the hopes of working with you long-term.
</p>


<h3 class="Heading--root Heading--h3 wp-block-lendingtree-block-heading Heading--align-left has-lt-deep-blue-color" id="3-interview-several-real-estate-agents-in-person">
<span class="Heading--content">
    3. Interview several real estate agents in person
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</h3>


<p class="Paragraph--root wp-block-paragraph Paragraph--align-left  ">
Maybe you’ve already met an agent when you toured a home, but you haven’t met the agents your sister or co-worker recommended. It can be tempting to go ahead and make a choice now, but it’s important to meet several agents<strong> in person</strong> before committing to one long-term. Not only does it help you get a better idea of how knowledgeable they each are, it can also help ensure that you have compatible personalities and communication styles.&nbsp;
</p>


<p class="Paragraph--root wp-block-paragraph Paragraph--align-left  ">
<strong>Unsure what to ask the agents?</strong> We’ve got you covered! In the next section we’ll go over the questions you’ll want to ask to test a real estate agent’s knowledge and expertise, as well as some red flags to look out for.&nbsp;
</p>


<p class="Paragraph--root wp-block-paragraph Paragraph--align-center  ">
→ Skip ahead to see <a href="#how-to-choose-a-real-estate-agent-ask-questions-and-watch-for-red-flags">essential questions and red flags</a>
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<h3 class="Heading--root Heading--h3 wp-block-lendingtree-block-heading Heading--align-left has-lt-deep-blue-color" id="4-check-references">
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    4. Check references
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</h3>


<p class="Paragraph--root wp-block-paragraph Paragraph--align-left  ">
It might seem overly formal, but checking references isn’t just about making sure a real estate agent is on the up-and-up. It’s also a great way to get a feel for how that agent works, what sort of impressions they leave on their clients and whether they’re experienced enough to handle your home sale or purchase.
</p>


<h3 class="Heading--root Heading--h3 wp-block-lendingtree-block-heading Heading--align-left has-lt-deep-blue-color" id="5-hire-your-chosen-real-estate-agent">
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    5. Hire your chosen real estate agent
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<p class="Paragraph--root wp-block-paragraph Paragraph--align-left  ">
Once you&#8217;ve selected your agent, formalize the relationship by discussing their commission (how and when they’ll be paid), as well as your timeline, budget and must-haves, among other concerns.&nbsp;
</p>


<p class="Paragraph--root wp-block-paragraph Paragraph--align-left  ">
Finally, you’ll put all this down in a written buyer agreement and sign it. This’ll finalize the services they’ll provide, their compensation and all the other details of this relationship.
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                      <h3 class="CalloutBox--title">
              Tip
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<p class="Paragraph--root wp-block-paragraph Paragraph--align-left  ">
You can view a <a href="https://consumerfed.org/wp-content/uploads/2024/06/Buyer-Broker-Representation-Agreement-FORM-vsn-USA-EN-05.29.2024.pdf" target="_blank" rel="noreferrer noopener nofollow">sample buyer agreement</a> online from the Consumer Federation of America, a nonprofit consumer advocacy organization. <br><br>Be aware that exclusive agreements bind you to that agent for a set period of time. This means that you could owe them commission even if you find a home without their help during that period, so ensure that you understand the exclusivity terms before signing.
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                      <h3 class="CalloutBox--title">
              Checklist: How to hire a real estate agent
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<p class="Paragraph--root wp-block-paragraph Paragraph--align-left  ">
<strong>✓ Agree on the commission.</strong> Discuss — and be open to negotiating — the commission fee and when in the process the payment will be due. <br><br><strong>✓ Set goals.</strong> Be clear and open with your agent about your goals. Do you need to find or <a href="https://www.lendingtree.com/home/mortgage/tips-for-selling-your-home/">sell a home</a> fast, or are you willing to wait for the perfect opportunity? Is your budget strict or flexible? What about the neighborhood is most important to your family? Are there amenities you just can’t live without?<br><br><strong>✓ Sign a written agreement.</strong> A buyer agreement lays out the services the real estate agent must provide and put the agreed-upon commission in black and white. The agreement should also spell out whether the agent can represent both the buyer and seller, as well as what information must be kept confidential.<br><br><strong>✓ Understand exclusivity. </strong>If the written agreement is &#8220;exclusive,&#8221; then you&#8217;re agreeing to have the agent solely represent you for a certain period of time. In other words, you can’t work with another agent — and even if you <a href="https://www.lendingtree.com/home/mortgage/how-to-buy-a-house-without-an-agent/">find a home without your agent</a>, you&#8217;ll still owe them money. 
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<h2 class="Heading--root Heading--h2 wp-block-lendingtree-block-heading Heading--align-left has-lt-deep-blue-color" id="how-to-choose-a-real-estate-agent-ask-questions-and-watch-for-red-flags">
<span class="Heading--content">
    How to choose a real estate agent: Ask questions and watch for red flags
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</h2>


<h3 class="Heading--root Heading--h3 wp-block-lendingtree-block-heading Heading--align-left has-lt-deep-blue-color" id="questions-to-ask-your-potential-real-estate-agent">
<span class="Heading--content">
    Questions to ask your potential real estate agent
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</h3>


<p class="Paragraph--root wp-block-paragraph Paragraph--align-left  ">
→ <strong>What certifications, experience or training do you have in my area?</strong> Find out how long they&#8217;ve been in practice, how many local transactions they&#8217;ve completed and the certifications or licenses they&#8217;ve earned. You&#8217;ll want an experienced agent, especially if you&#8217;re a <a href="https://www.lendingtree.com/home/mortgage/tips-for-first-time-home-buyers/">first-time homebuyer</a> or have specific needs.&nbsp;
</p>


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→ <strong>How does your commission work? What are your fees? </strong>Knowing all the fees an agent can charge could help you make a better decision. Real estate agents make most of their income from the sales commission: The average commission is 5.57% of a home&#8217;s sales price, per a <a href="https://listwithclever.com/average-real-estate-commission-rate" target="_blank" rel="noreferrer noopener nofollow">survey from Clever Real Estate</a>. The home seller has traditionally paid the fee, but that’s not always the case today — plus, there&#8217;s no standard commission rate. As with everything in your relationship with an agent, these factors are negotiable.
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Realtors® can also charge consulting, brokerage or transaction fees, but they’ll need to have a prior agreement with you that lays out these services and how much they’ll be paid for them.
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→ <strong>What do I need to know about today’s housing market? </strong>Real estate agents should have local housing knowledge that you can&#8217;t get by searching online. A local expert can help you buy or sell your home at an optimal price, as they understand real estate trends and what’s working for other local buyers and sellers.&nbsp;
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→ <strong>How long are homes on the market in this neighborhood? </strong>Real estate agents should have a sense of how quickly houses turn over in your area. Knowing this can help you make a competitive offer or prepare for bidding wars.
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→ <strong>How will you help negotiate prices and make attractive offers? </strong><a href="https://www.lendingtree.com/home/mortgage/how-to-negotiate-a-home-purchase/">Negotiating prices</a> is one of the most important skills to look for in a real estate agent. Knowing an agent&#8217;s game plan to help you buy or sell your home at the best price can make it easier for you to choose the right real estate agent.
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While the questions above help to test your real estate agent&#8217;s knowledge and qualifications, personal chemistry and communication skills also play a crucial role. You’ll need to feel comfortable enough to trust this agent to buy or sell your home with your best interests in mind.
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<strong>Complaints: </strong>You can check a real estate agent’s license or find out what complaints have been filed against them by contacting your state’s licensing board. This step can help you avoid scammers or people misrepresenting themselves as real estate agents.

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<strong>Conflicts of interest: </strong>Your agent might not be acting in your best interests if they represent both the homebuyer and seller, known as “dual agency.” Be sure you understand who your agent is representing — ideally, you should find an agent that’s working solely for you.

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<strong>Weird fees or forms of payment: </strong>You shouldn&#8217;t have to pay an upfront fee or deposit to view a property. In addition, when you pay a real estate agent, the funds should go to the agent&#8217;s broker of record (typically another agent in charge of the firm’s contracts and transactions) and not to the agent directly. An agent that makes these requests is likely a scammer. Lastly, never pay in cash — use a credit card or check to leave a paper trail. 

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You&#8217;re not required by law to use a real estate agent when buying (or selling) a house. But unless you&#8217;re a seasoned homebuyer, it can be very tough to manage a home purchase alone. Real estate agents can provide information and reassurance, while also verifying that the transaction is handled properly and legally.&nbsp;
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Having a third party who’ll communicate on your behalf can also ease the stress of negotiating with a seller. Both buying and selling a home can be emotional —&nbsp; and, when tensions run high, it’s nice to have a professional acting as an intermediary.&nbsp;
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A Realtor is a real estate agent who’s also a member of the National Association of Realtors (NAR). All Realtors are real estate agents, but not all real estate agents are Realtors.&nbsp;
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<p><b>What portion of LendingTree&#8217;s services in connection with my loan request is free?</b></p>
<p>There is no cost to submit a loan request, get matched with lenders and receive conditional loan offers or quotes. You may review the conditional loan offers or quotes and talk to the lenders at no cost. Of course, the lender you choose may require a fee to process your formal loan application, appraisal, and/or credit report, but until you agree to pay the lender any fee(s), you may shop with LendingTree at no cost.</p>
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<p>LendingTree, LLC NMLS Unique Identifier #1136; AL Mortgage Brokers License #8694;<br />
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AR Mortgage Broker License #24441; CA Department of Financial Protection &#038; Innovation, CA Financing Law License #6037234; CO Mortgage Company Registration Regulated by the Division of Real Estate, NMLS ID #1136; CT Mortgage Broker License #4164 – MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER; CT Small Loan Company License #SLC-1136; DE Broker License #010996; DC Mortgage Broker License #MLB1136; FL Mortgage Broker License #MBR1298; GA Mortgage Broker/Processor License/Registration #12989; HI Mortgage Loan Originator Company License #HI-1136; ID Mortgage Broker/Lender License #MBL-893; IL Residential Mortgage License #MB.0005433; IN-SOS Loan Broker License #1136; IA Mortgage Broker License #741; KS Mortgage Company License #MC.0002279; KY Mortgage Broker License #MB17994; LA Residential Mortgage Lending License #189; ME Loan Broker License #1136; MD Mortgage Lender License #1136; MA Mortgage Broker License #MB1136 – LendingTree arranges but does not make loans; MA Small Loan Company License #SL0533; MI 1st Mortgage Broker License #FL0016258, 2nd Mortgage Broker Registrant #SR0016259; MN Residential Mortgage Originator License #MN-MO-40127258; MS Mortgage Broker License #1136; MO Mortgage Company License #1136, NMLS #1136, 4509 Lemay Ferry Rd., St. Louis, MO 63129; MT Mortgage Broker License #1097; NE Mortgage Banker License #1517; NV Mortgage Company License #1698, NV Bus. ID NV20051235630, Las Vegas Bus. License #P50-02291; NH Mortgage Broker License #1136MBR; NH Small Loan Lender License #1136SM; NJ Residential Mortgage Broker License #0801779 – LendingTree does not make mortgage loans or commitments or fund any mortgage loans; NM Mortgage Loan Company License #00395; NM Small Loan Company License #2048; NY – LT Technologies in lieu of true name LendingTree, LLC, Registered Mortgage Broker – NYS Department of Financial Services License #RMB 208974 – LendingTree arranges mortgage loans with third-party providers; NC Mortgage Broker License #B-113401; ND Residential Mortgage Lender License #ML104625; ND Money Broker License #MB100817; OH Residential Mortgage Lending Act Certificate of Registration #RM.802159.000, 1210 Louden St. #2, Cincinnati, OH 45202; OK Mortgage Broker License #MB002490; OK Credit Services Organization License #CSO00394; OR Mortgage Lending License #ML-1862; OR Consumer Finance License #0420-001-C; PA Mortgage Broker License #20298; RI Loan Broker License #20062113LB; SC Mortgage Broker License #MB-0504600, SC Branch Location NMLS ID #234375; SD Foreign Corporation Entity #FL002607; SD Mortgage Brokerage License #1136.MB; TN Mortgage License #1136; TN Industrial Loan and Thrift Company Registration #1136; TX SML Mortgage Company License, NMLS ID #1136, Mr. Shan Guo Residential Mortgage Loan Originator #300978, 6300 Stonewood Dr, Ste. 406, Plano, TX 75024; UT DRE Mortgage Entity License #5489470-NMLC; VT Mortgage Broker License #0055 MB; VA Mortgage Broker License #MC-1052; WA Mortgage Broker License #MB-1136; WV Mortgage Broker License #MB-20020; WI Mortgage Broker License #2630BR; WY Mortgage Broker License #838. Licensing information last amended on 02-Apr-25.<br />
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<p><u>Advertised Terms and Information</u></p>
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<li>The information and disclosures above relate to advertised terms made by or through LendingTree.</li>
<li>Interest rates and terms are from a lender or lenders with whom LendingTree may match you and that offer the particular product. The disclosures are current as of the date indicated.</li>
<li>LendingTree is not a lender in any transaction and does not make loans, loan commitments or lock-rates. All credit decisions, including loan approval and the conditional rates and terms you are offered, are the responsibility of the participating lenders and will vary based upon your loan request, your particular financial situation, and criteria determined by the lenders to whom you are matched. Not all consumers will qualify for the advertised rates and terms. APR may be in lieu of rebates or incentives. Dealer participation may affect consumer cost.</li>
<li>You may not be matched with a lender making a particular conditional loan offer, and LendingTree does not guarantee that any lender will make you a conditional loan offer. LendingTree arranges for multiple conditional loan offers through its network of nonaffiliated lenders. See the <a id="termsofuseLink" href="https://www.lendingtree.com/legal/terms-of-use">Terms of Use Agreement</a> for more details. The Terms of Use Agreement governs these advertised Terms and Information.</li>
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