Consumers never have to dial a telephone number to reach Ryan Epper, a mortgage broker with Lifestyle Mortgage in Northport, Ala. They just click on the telephone icon on his Web site, enter their number and wait for the phone to ring a few seconds later.

Epper’s Web site features a new technology called Click4Talk, which gives home loan shoppers instant telephone access to the mortgage broker so they can ask questions about the company’s loan products.

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