Abstract: A system is provided which allows a consumer to access mortgage information and mortgage financing through a computer network. The consumer provides, via a first computer sufficient information to the second computer to allow the second computer to obtain a credit report for the specific individual consumer. This credit report is used to select mortgage programs from the mortgage program database which are actually available to the specific consumer, based on the specific consumer's credit worthiness. Information about these mortgage programs are then transmitted, preferably with one or a very few minutes, to the first computer where they are displayed for consideration by the user. Preferably, if the consumer selects one of the displayed mortgage programs, that consumer is immediately approved for the mortgage financing subject only to verification of the information provided.