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The world wide web levels the playing field for mortgage lenders. Both large and small financial companies can compete to your business. Thatís why rates and fees are generally lower online than at a branch office.

Online applications also reduce costs for lenders. Financial companies must hire fewer people and get less workplace to process a similar quantity of loan applications. These savings may be passed onto you as a way to attract your small business.

Once you submit your loan application more than a secure sever connection, it is immediately processed. There is no time delay for a person to manually enter all the forms within the lenderís computer system. And there are less errors and delays.

The normal home mortgage application takes 18 days to process. By making use of an internet application, that time can be trimmed to simply 6 days. You may also have funds sent right to your bank account or escrow agent.

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Before the rate rises, it is possible to secure the sale having an online application. With rates likely to rise in 2007, it will save you yourself thousands in monthly interest costs by locking a minimal rate when you see it.