There is only one clear winner in the mortgage industry's coming superhighway: the borrower. Electronic delivery will sharply reduce the cost of originating and servicing a mortgage loan. That means a lower price to the borrower. Electronic delivery will also dramatically reduce the time required to originate a loan. It may even make the process more pleasurable, depending upon one's feelings about dealing personally with lenders, title insurers, etc. Which do you like dealing. with better, an ATM or a teller?