When Manfred Eichner needed a mortgage to buy his condo last September, he knew he wanted two things: to save time and to avoid poor bank service. His solution? To surf the net for a loan.

Although the pediatrician has taken mortgages before, this was his first time applying over the Internet. Eichner got final approval in two weeks, half the time it would take through traditional channels. "I wouldn't do it any other way now," he says.

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