How most loan applications are submitted
1999. – Fax
2019 – interactive online application
How we market for leads
1999 – Display ads in business newspapers
2019 – website, blog, Business media platforms, Scotsman’s Guide
How we obtain Appraisals
1999 – U.S. postal service in physical form
2019 – PDF in Dropbox
How we obtain needed signatures
1999 – bring documents to borrower or meet borrower in office
2019 – Docusign
How we close loans
1999. – Buyer, seller, escrow officer, attorney, lender, broker sit around a table and sign docs
2019 – virtual closing with mobile notary
How we communicate 1999 – Telephone, US mail
2019 – email, text, online platform