Best way to shop for real estate loan online

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(This is Part 3 of a three-part series. See Part 1: Why shop for a real estate loan online? and Part 2: Which real estate lender Web sites are worth shopping?) In previous columns, I discussed some of the advantages of shopping for a mortgage online, and identified the best sites. In this one, I discuss how to do it. 1. Decide Whether You Are a Shopper: Online shopping is not for those who are computer-phobic or mortgage-allergic. If you feel overwhelmed by the complexity of mortgages, and don't have the time, energy or desire to educate yourself about them, Internet shopping is not for you. Select an Upfront Mortgage Broker (UMB) to shop for you. 2. Determine Whether You Qualify For online Shopping: You can't shop online unless your particular deal is priced online by at least some lenders. If you have a credit score below 620, most of the sites will deal with you, but offline – "Bad credit? Call us" Online shoppers also do best if they can fully document their income and a...