How Homegrity Works: Agent Matching, Explained

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Last updated: Jul 30, 2026
How Homegrity Works: Agent Matching, Explained

Summary

Your request goes to the two best-fit local agents, and only the one who takes it sees your details. Here is exactly how matching works.

Most real estate sites make money the same way: they collect your details the moment you show interest, then sell them to whoever pays. A dozen agents buy your phone number and race to call you first. Homegrity was built to work the other way. Here is exactly how it works, for buyers, sellers and the agents on the other side.

The short version

You tell us what you need and where. We send your request to the two local agents who fit it best. The first of them to take it is the only one who ever sees your name, email or phone number. Nobody buys your details, and they are never resold.

How the match is made

1. Only agents who can legally help you

Every agent on Homegrity holds an active license on the state register, and we re-check it every day. An agent whose license lapses stops getting introductions within a day. Here is the full check.

2. Agents who work near you

We know where each agent works from the state's own records: their office, their brokerage and their county. Agents can also tell us the towns they cover. The biggest single factor in your match is how close an agent works to the home you are buying or selling.

3. Ordered on results, never on money

Next come the kind of deal you need and how quickly an agent replies. Closings and reviews tied to a real transaction count too, as soon as there is a record of them. No agent can pay to rank higher, and paid plans change nothing about the order. The methodology page shows every factor, and which ones have data behind them today.

4. Two agents, one introduction

Your request goes to the two best-fit agents at the same time. The first to take it gets the introduction, and only that agent sees your details. If neither takes it within 30 minutes, it goes to the next two. If nobody near you can take it, our team is told and follows up with you directly.

For buyers

Answer a few quick questions about where and what you want to buy. It takes about two minutes and costs nothing. Your agent helps you tour homes, shape an offer and get to closing. If the fit isn't right, ask for a different agent; you are never locked in. For the full road map, start with the complete home buyer's guide.

For sellers

Selling is where a good agent pays for themselves, so the match matters. We look for agents who work where your home is. It is free for sellers too: we never take a cut of your sale and charge no referral fee. Curious what your home might bring? Read what your home is worth, then get matched with someone who can price it from real sales.

For agents

You are matched with clients where you actually work, and ranked on how well you serve them, not on your budget. A request goes to two agents; the first to take it owns it, and we never resell it. On the free plan you keep 100% of your commission. Paid plans are a flat subscription for tools, never a slice of a deal, and they do not change where you rank.

Why we built it this way

When your details can't be bought and the order can't be paid for, the only way an agent gets ahead is by being good for clients. That is the whole idea. For a neutral view of the buying process itself, the CFPB's owning-a-home resources are worth a look, and you can read about our mission and the 1% Pledge on the about page.

Get matched with a local agent → It's free, and only the one agent who takes your request sees your details.

Frequently asked questions

Is Homegrity really free for buyers and sellers?

Yes. Buyers and sellers never pay to use Homegrity, we never take a cut of a sale or purchase, and we charge no referral fee.

Who sees my information?

Only the one agent who takes your request. It is offered to the two best-fit local agents without your contact details; the first to take it is the only one who sees them. It is never sold or passed around.

What if nobody takes my request?

If neither agent takes it within 30 minutes, it goes to the next two. If nobody near you can take it, our team is told and gets back to you.

Can an agent pay to be matched with me?

No. Placement is never for sale, and a paid plan changes nothing about who you are matched with.

How are agents ordered?

Mostly by how close they work to you, then by the kind of deal and how fast they reply. Closings and reviews tied to real transactions count as soon as there is a record of them. See the methodology.

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Frequently asked questions

What does it cost to get matched?
Nothing. You’re never charged to get matched, to see an agent’s record, or to talk to them. We take no cut of your transaction and we don’t charge a referral fee — agents pay us a flat subscription for tools if they want them.
How do you decide which agents to show me?
We order agents on how long they have been licensed and how closely they are placed to your area — never ad spend. As closings and reviews accumulate on the platform they will join that order; today they do not, and we will not claim otherwise. Placement can’t be bought.
Can an agent pay to rank higher?
No. Paid plans add software inside an agent’s dashboard — a CRM, a branded site, content tools. They don’t buy leads and they don’t move anyone up the list.
Will my information be shared?
Not until you pick an agent and ask us to make the introduction. You can get a valuation or browse matches without a single agent seeing your name.
How many agents will I be matched with?
Usually three. Enough to compare approaches and personalities without turning it into a research project.
Am I obligated to work with anyone you show me?
No. You can contact one, all three, or none of them. There’s no contract with us and nothing to cancel.
What if I already have an agent?
Use them. You can still run a valuation or compare carrying costs here for a second opinion, and you’re never obligated to be matched.
How accurate is the home value estimate?
It’s built from recent comparable sales near you rather than a national model, and it shows you which sales drove the number so you can check the reasoning. Treat it as a starting point — an agent will refine it after seeing the home.
How is that different from other online estimates?
Most public estimates are a national algorithm applied to your ZIP code. Ours is comp-driven and shows its work, so you can tell whether the sales behind it actually resemble your home.
What is the difference between list price and true monthly cost?
List price is what a seller is asking. True monthly is what the home costs you to hold once property taxes, insurance, HOA dues and the payment at current rates are counted. Two homes at the same asking price can differ by hundreds a month.
How much do I need for a down payment?
It depends on the loan program. Conventional loans often start around 3–5% for qualified buyers, FHA around 3.5%, and VA and USDA can go to zero for those who qualify. Less than 20% down generally means mortgage insurance until you build equity.
What is a debt-to-income ratio and why does it matter?
It’s your monthly debt payments divided by your gross monthly income. Many conventional programs look for total debt at or below roughly 43%, though this varies by program and by the rest of your file.
Should I get pre-approved before I start looking?
Yes, in most markets. A pre-approval tells you your ceiling and tells sellers you’re credible. Treat the number as a ceiling rather than a target — what you qualify for and what you can comfortably carry are rarely the same.
How long does it take to buy a home?
From accepted offer to keys is commonly 30–45 days with financing, faster with cash. The search itself varies enormously with inventory and how specific your requirements are.
How long does it take to sell?
It depends on your market, your price and the season. Your agent should be able to tell you the recent days-on-market for homes like yours, which is a far better guide than any national average.
What does an agent’s commission cover?
Pricing, preparation, marketing, showings, negotiation and the transaction management that gets you to closing. Commission is negotiable and is agreed between you and your agent — we’re not party to it.
Do I have to pay a commission as a buyer?
How buyer-side compensation works changed recently and now varies by market and by agreement. Your agent must put their fee in writing with you before showing homes, so ask early and get it in the agreement.
Should I sell before I buy?
It’s a cash-flow question more than a market question. Selling first is safer financially but can leave you renting; buying first is smoother logistically but means carrying two payments if your sale is slow.
What should I fix before listing?
Usually the cheap, visible things: paint, lighting, landscaping, decluttering. Big renovations rarely return their cost at sale. An agent who works your street can tell you what buyers there actually notice.
Do I need a home inspection?
Almost always worth it, even in a competitive market. An inspection is information — you can still choose to proceed, but you’ll proceed knowing what you’re taking on.
What are closing costs?
The fees to complete the transaction: lender charges, title and escrow, recording, prepaid taxes and insurance. They commonly run a few percent of the purchase price and vary a lot by state.
How do rental applications work?
Landlords and management companies set their own screening criteria and fees. Requirements differ building to building, so knowing what a specific landlord wants before you apply is most of the battle.
Do you charge renters anything?
No. We don’t charge to search or to get matched. Landlords often charge their own application or screening fee, and who pays the rental agent’s fee at signing depends on your market and the building.
Who do I contact if something goes wrong?
Reach us at [email protected]. We’re a matching service rather than a brokerage, so we’re not party to your transaction — but we do want to know when a matched agent isn’t performing.

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