When Ken and Geneve Hendricks, both 30, decided to buy a home, their first stop was the Internet.

The Norwalk, Conn., couple surfed real estate agents' Web sites, taking virtual tours of houses for sale. They read on-line articles about the mortgage process and what to expect. Then they hired an agent, who helped them find a town house that they could afford-the price was $250,000-and get it financed through Cendant Mortgage.

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