When a consumer submits information to Zillow for anonymous quote lenders in the system, they can “bid” on the quote. Rates, fees, terms and quotes are then forwarded with a brief background from sellers as well as their picture and a link to the profile page of the property they are selling. Principal and interest payments are calculated by Zillow based on the loan program, term and fees and the taxes and insurance are calculated based on property records that prevents any manipulation of those numbers. Customers are then presented with the quotes as they arrive and when they find the one they like, they can contact the lender directly and give additional information that they see as relevant for the next step. Because of this new development, customers are not bothered by unsolicited phone calls or emails asking for other informations.