Mortgage loan and financial services data processing system

1. A data processing system for managing the origination of a mortgage loan by a loan originator in coordination with a loan broker for a loan customer, comprising: a computer operated by said loan originator; a memory accessibly coupled to said computer; a program comprising program steps residing in said memory; herein said program comprises the program steps of: RE-processing when said loan originator is at least one member of the collection comprising a real estate agent and a real estate broker; B-processing when said loan originator is at least one member of the collection comprising a home builder and an FSBO; FP-processing when said loan originator is at least one member of the collection comprising a Certified Public Account (CPA), a financial planner, a broker, a dealer, a broker-dealer, and an attorney; FI-processing when said loan originator is at least one member of the collection comprising a bank, a savings and loan, a thrift, and a credit union; R-processing when said loan originator is a relocation company; and C-processing when said loan originator is said loan consumer; wherein the loan originator provides services necessary for the origination of the mortgage loan and not duplicative of services that are provided by the loan broker, making a loan origination fee paid to the loan originator at a time of closing on the mortgage loan legally compliant with the guidelines of the Real Estate Settlement Procedures Act (“RESPA”).

2. The data processing system of claim 1 , wherein the program step of RE-processing further comprises the program steps of: RE-licensing of said loan originator, further comprising the program step of: determining if a special license required by said loan originator; RE-preliminary setup of said loan customer with said loan originator, further comprising the program step of: drawing property information from a local Multiple Listing Service to eliminate the loan originator inputting information into a loan application and at least one disclosure document; and RE-information interview of said loan customer with said loan originator to create the loan application and the at least one disclosure document, further comprising the program step of: omitting an assets and liabilities information at the loan originator's discretion.

3. The data processing system of claim 1 , wherein the program step of B-processing further comprises the program steps of: B-licensing of said loan originator, further comprising the program step of: determining if a special license required by said loan originator; B-preliminary setup of said loan customer with said loan originator, further comprising the program step of: pre-configuring a property information for each available lot of a subdivision for the loan originator to reduce input needed for a loan application and at least one disclosure document; and B-information interview of said loan customer with said loan originator to create the loan application and the at least one disclosure document, further comprising the program step of: inputting information needed for a sale contract for the property and importing the already possessed data into the loan application.

4. The data processing system of claim 1 , wherein the program step of FP-processing further comprises the program steps of: FP-licensing of said loan originator, further comprising the program step of determining if a special license required by the loan originator; FP-preliminary setup of said loan customer with said loan originator, further comprising the program step of importing already possessed data from at least one file used by the loan originator for the loan customer; and FP-information interview of said loan customer with said loan originator to create a loan application and at least one disclosure document, further comprising the step of transferring the already possessed data to create the loan application.

5. The data processing system of claim 1 , wherein the program step of FI-processing further comprises the program steps of: FI-licensing of said loan originator, further comprising the program step of determining if a special license required by the loan originator; FI-preliminary setup of said loan customer with said loan originator, further comprising the program step of reading already possessed data from the loan originator's industry software; and FI-information interview of said loan customer with said loan originator to create a loan application and at least one disclosure document, further comprising the program step of transferring the already possessed data to create the loan application and the disclosure document.

6. The data processing system of claim 1 , wherein the program step of R-processing further comprises the program steps of: R-licensing of said loan originator, further comprising the program step of determining if a special license required by the loan originator; R-preliminary setup of said loan customer with said loan originator, further comprising the program step of reading already possessed data from the loan originator's industry software; and R-information interview of said loan customer with said loan originator to create a loan application and at least one disclosure document, further comprising the program step of transferring the already possessed data to create the loan application and the at least one disclosure document.

7. The data processing system of claim 1 , wherein the program step of C-processing further comprises the program steps of: C-preliminary setup of said loan customer, further comprising the program step of reading at least one data file of the loan customer to create already possessed data; wherein the data file may be used with at least one member of the collection comprising a tax preparation software, an accounting software, and a financial planning software; and C-information gathering by said loan customer to create a loan application and at least one disclosure document, further comprising the program step of transferring the already possessed data into the loan application and the at least one disclosure document.

8. A data processing system for managing the origination of a mortgage loan by a loan originator in coordination with a loan broker for a loan customer, comprising: a computer operated by said loan originator; a memory accessibly coupled to said computer; a program comprising program steps residing in said memory; wherein said program comprises the program steps of: RE-processing when said loan originator is at least one member of the collection comprising a real estate agent and a real estate broker; B-processing when said loan originator is at least one member of the collection comprising a home builder and an FSBO; FP-processing when said loan originator is at least one member of the collection comprising a Certified Public Account (CPA), a financial planner, a broker, a dealer, a broker-dealer, and an attorney; FI-processing when said loan originator is at least one member of the collection comprising a bank, a savings and loan, a thrift, and a credit union; R-processing when said loan originator is a relocation company; and C-processing when said loan originator is said loan consumer; wherein the loan originator provides services necessary for the origination of the mortgage loan and not duplicative of services that are provided by the loan broker, making a loan origination fee paid to the loan originator at a time of closing on the mortgage loan legally compliant with the guidelines of the Real Estate Settlement Procedures Act (“RESPA”); wherein the program step of RE-processing further comprises the program step of: RE-preliminary setup of said loan customer with said loan originator, further comprising the program step of: drawing property information from a local Multiple Listing Service to eliminate the loan originator inputting information into a loan application and at least one disclosure document; wherein the program step of B-processing further comprises the program steps of: B-preliminary setup of said loan customer with said loan originator, further comprising the program step of: pre-configuring a property information for each available lot of a subdivision for the loan originator to reduce input needed for a loan application and at least one disclosure document; and B-information interview of said loan customer with said loan originator to create the loan application and the at least one disclosure document, further comprising the program step of: inputting information needed for a sale contract for the property and importing the already possessed data into the loan application; wherein the program step of FP-processing further comprises the program step of: FP-information interview of said loan customer with said loan originator to create a loan application and at least one disclosure document, further comprising the step of transferring the already possessed data to create the loan application; wherein the program step of C-processing further comprises the program steps of: C-preliminary setup of said loan customer, further comprising the program step of reading at least one data file of the loan customer to create already possessed data; wherein the data file may be used with at least one member of the collection comprising a tax preparation software, an accounting software, and a financial planning software; and C-information gathering by said loan customer to create a loan application and at least one disclosure document, further comprising the program step of transferring the already possessed data into the loan application and the at least one disclosure document.