I am not an internet lender nor am I competing with internet lenders. You will see that I do not have an application for you to complete online. This is my job and not yours. Websites that ask you to complete your own application online are not providing you any service by doing so. This is merely a lead generation technique and does you no good. Your Mortgage is a large transaction and a very large step to take in one's life and should be done with your loan officer every step of the way.