Once the exclusive province of the real estate brokerage industry, homebuyers now have the freedom to shop for a house from their own computers. New developments such as "streaming videos" have made open houses a round-the-clock event. With the plethora of homes for sale on the Internet, plus the ability to now shop for a home mortgage on line, buying a house has never been simpler. This new found freedom has not only enhanced the homebuying process, but has also made it more efficient and more satisfying. Online Home, Online Mortage on the Internet provides prospective buyers with all the tools and techniques they'll need to find and finance their new home, without ever having to schedule another appointment with a broker or waste another weekend previewing properties.

• By 2003, 10% of home mortgages may be originated on the Internet

Randy Johnson (North Port Beach, CA) is President of Independence Mortgage Company, which provides mortgage brokerage, real estate consulting, and financial services.