Home computers are quickly becoming as common in homes as televisions and VCRs, and now the telephone lines are allowing people to do an amazing array of thingsget free stock quotes, apply for sky diving lessons, even HUD Secretary Henry Cisneros got into the on-line act by sponsoring an on-line fair housing forum.

Mortgage lenders are zeroing in on that trend and developing programs aimed at tapping the more than 5 million information- hungry subscribers on the four major on-line networks.

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