Patent ID: 7478064
Filing Date: 2009-01-13
Classification: G06Q

Abstract:
1. A computer-implemented process for applying for and obtaining universal mortgage lender underwriting approval for an individual, the process comprising: receiving mortgage approval application data from an end user device, wherein the mortgage approval application data is entered into the end user device by a borrower; creating a plurality of mortgage approval applications comprising the mortgage approval application data, wherein the plurality of mortgage approval applications are created without intervention from the borrower; bypassing a lender and forwarding the plurality of mortgage approval applications to a plurality of mortgage underwriting systems, wherein each mortgage underwriting system receives at least one of the plurality of mortgage approval applications; receiving at least one decision from at least one of the plurality of mortgage underwriting systems, the at least one decision based on the mortgage approval application; and forwarding the at least one decision to the borrower device, wherein the borrower may then present the at least one decision to at least one lender.