Abstract: A computerized method of assisting a borrower obtain financing is disclosed. Potential financiers interested in making the type of financing being sought supply financier information, including a minimum credit benchmark. That information is stored in a database. A potential borrower enters financing information regarding a loan or credit card being sought. The potential borrower's credit benchmark is obtained. A computer uses the credit benchmark to form a stratification filter which is overlaid on the database to identify one or more “best” potential financiers for the desired financing. The “best” potential financier is queried to determine if they are interested in granting a loan to someone similarly situated as the potential borrower. If so, information is sent to that potential lender. Otherwise another “best” potential financier is queried.

Abstract: A computerized real estate marketing that assists a buyer having available assets locate property to purchase. A computer executes application software that causes the computer to implement a database and a communication dataport. The database includes an entry for the qualified buyer and a description of the real estate the qualified buyer wants to purchase. The computer then markets the qualified buyer to real estate sellers. A seller supplies seller information with the seller information containing a description of property that the seller wishes to sell to the qualified buyer. The computer filters the seller information to determine if the seller property matches the described real estate. If it does the computer causes the qualified buyer to be informed about the seller property.