Home Financing Centers Inc., a Swampscott, Mass., company that makes consumer and business loans, has added a chat service to improve interaction between prospects and loan agents, and get consumers used to applying and closing online.

The service, from ChatPerson Inc., which is also based in Swampscott, connects hfci.com visitors to a 15-member team of loan specialists at Home Financing’s operations center. The procedure involves a phone link, so consumers do not have to disconnect from the Internet and need only a Web browser to use the service.

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