Abstract: Virtual Real Estate Office is to Real Estate and home loans what the assembly line is to automobiles. This patent improves an existing process.” [i.e.] Henry Ford invented a streamlined automobile assembly line to improve an existing process. This process was the assembling of automobiles. The Virtual Real Estate Office is designed to streamline the assembling of Real Estate and mortgage processes and transactions. The “VRO” is an on-line version of an actual Real Estate and or mortgage office, where Real Estate Agents and loan officers can interact with each other and or their clients, potential clients and all vendors services used to perform the completion of a compliant Real Estate and or mortgage transaction. These vendors include but are not limited to the following; escrow, title, appraisal, termite, companies as well as credit reporting agencies, office staff, loan processors, etc.