SG's training on ZHL eligibility + how Zillow Preferred connections arrive in Follow Up Boss. All key slides from the source decks are embedded inline. Full decks available for download.
📘
Connections in FUB Deck
Full Zillow walkthrough — agent + buyer experiences, FAQ.
Source: Zillow Preferred Team Lead Deck (Zillow's default eligibility chart)
⚠️ Local SG updates that override the slide
Credit score: 580+ in our market (Zillow deck still says 620+ / 580 FHA)
Manufactured homes: ZHL now lends on them (Zillow deck still lists ineligible)
Everything else on the chart matches our market — confirm with your ZHL loan officer for the absolute latest
📱 How Contact Agent & Standard Tour arrive
Source: Connections in FUB Deck — push + SMS, 2 minutes to open, 5 minutes to claim, communicate in Zillow Messages
📞 How to take a Scheduled Call (NEW)
When a buyer schedules a specific time for a call:
FUB push + SMS hit as soon as the buyer schedules.
The appointment automatically lands on your FUB calendar.
Claim within 5 minutes + send a confirmation message (script below).
Before the call: pull the listing, check comps, review the buyer profile, load A.L.M.
Take from a quiet location with FUB open. Goal: secure the in-person showing.
Within 5 minutes of hanging up: update lead stage + add notes.
Source: Connections in FUB Deck — message-first + scheduled-call openers for Standard TourSource: Connections in FUB Deck — message-first + scheduled-call openers for Contact Agent
⚡ Real-Time Touring
Source: Connections in FUB Deck — push + SMS, 2 minutes to open, 5 minutes to select time and confirm
Heads-up: Message-first and scheduled-call options do NOT apply to Real-Time Touring connections.
Technical Requirements
Source: Connections in FUB Deck — FUB mobile v6.05.0400+, two-way integration, linked accounts, push notifications, iOS 15+ / Android 13+
If you don't meet these requirements, you won't receive connections in FUB — you'll keep getting them as live calls in the Premier Agent app.
Operating Hours & Pickup Rate
Operating hours: 8 AM–9 PM local time. Outside-hours connections arrive the next morning.
Pickup rate: FUB-delivered connections do NOT count toward your pickup rate — only live connections do. That means each live call counts more.
5 Daily Actions in FUB
Source: Zillow Preferred Team Lead Deck — Smart Lists, lead stages, communications, exclusive insights, ZHL collaboration
🎯 Goal
Phone configured correctly, FUB on auto-update, Zillow account linked, push alerts on with sound — so you respond in under 5 minutes every time. Run every claim through A.L.M. and update lead stage within 5 minutes of every interaction.
New ZHL Product — Live 6/23/2026
No FICO Origination Path
Zillow Home Loans can now qualify borrowers without a credit score through Fannie’s No FICO path. This opens the door for buyers who couldn’t close before.
What this means for you
Opens doors for borrowers with thin or no traditional credit files
AUS determines Scored vs No FICO automatically — no manual classification, no LO judgment call
Protects you from Fair Lending risk by eliminating LO discretion over how FICO is applied
Who is the No FICO borrower?
The No FICO path is built for buyers who simply have no credit score — not bad credit, no credit. The four most common profiles:
Young adults / recent grads
Never opened a credit card or taken out a loan
Widowed or divorced
Credit was always in the spouse’s name
Immigrants & recent US arrivals
Never established US credit history
Insufficient credit history
Not enough activity to generate a score
Critical — do not confuse these two
UPDATE — ZHL minimum lowered
The image below shows the original launch reference of 620 as the minimum FICO. ZHL has since lowered the scored-borrower minimum to 580. The PSA still applies — “No FICO” still does NOT mean “No Minimum FICO” — the floor is just lower now.
Hard Rule
No FICO ≠ No Minimum FICO.
580 is our minimum FICO for any scored borrower (recently lowered from 620). The No FICO path is ONLY for borrowers who have no score at all — not for borrowers with a low score. If your lead has a 580, they qualify under the standard path. If their score is below 580, they don’t qualify on that path — but if they have NO score, they may qualify through this new No FICO path.
When you talk to a lead with thin/no credit, don’t pre-disqualify them. Send them to your ZHL lender — AUS will determine which path they qualify on automatically.
