Abstract: The system provides a method and apparatus for self fulfillment of financial instruments via an online system. The consumer is able to initiate, apply for, and complete a lending transaction completely online with minimal or no offline interaction with financial institutions. An advantage of the system is that it allows a consumer to receive information and offers from one to many lenders online and self-fulfill a loan or other financial instrument online without the need to interact with a traditional loan officer. The systems includes a shopping tool to help a consumer identify and make their own decision in selecting a loan that best fits their needs including an easy to complete online loan application, a rate locking feature that allows a consumer to lock and/or re-price their loan quickly, and an eSigning capability to simplify the signing process.