IP Library › Granted Patent US 12,444,007
Granted Patent B1
US 12,444,007 · App. 17/867,298 · Granted Oct 14, 2025

Computerized process to for example automate the home sale mortgage loan financing and settlement process and the home mortgage loan refinancing and settlement processes

Inventor: Neil John Thomas (Silver Spring, MD)
G06Q50/167G06Q10/06G06Q40/03G06Q10/00G06Q20/105G06Q30/00G06Q30/02G06Q30/0207G06Q30/0222G06Q30/0601G06Q40/00G06Q40/04
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Quick Facts
Patent No.
US 12,444,007
App. No.
17/867,298
Granted
Oct 14, 2025
Kind
B1
Abstract

In some embodiments, a comprehensive computer system and method (See FIGS. 1, 1 a, 2 ) for automating and facilitating the performing and processing of tasks, information transfer, and information storage associated with the home sale (See FIG. 3 a ), mortgage origination (See FIG. 3 b ), and settlement process (See FIG. 3 c ), and the home mortgage refinancing origination and settlement process (See FIGS. 1 b, 1 c, 2 a ) (or performing other business processes), over a distributed computing network are disclosed. One aspect of the invention is a greatly simplified process for a home buyer to search for a home and simultaneously receive accurate and competitive bids for mortgages and services from multiple lenders and service providers. The process includes an automated underwriting process which generates complete, accurate information on the costs of buying and owning a home at very beginning of the home buying process. Another aspect of the invention is greatly automating the entire sale, loan and settlement process.

Claims (84)

1. A computer apparatus for facilitating a home sale, the apparatus comprising:

a shared processor configured to:

communicate electronically with a plurality of geographically remote computing devices via a geographically distributed shared network; wherein one or more of the plurality of geographically remote computing devices are configured with a graphical user interface display and an input device; wherein the graphical user interface display is configured to display an Internet webpage including a composite Internet webpage; wherein the Internet webpage including a composite webpage are able to receive user input and display the shared processor output;

communicate electronically with a shared data source;

receive from at least one of the plurality of geographically remote computing devices a request; the request including:

at least one of: a request for a home offered for sale, a selection of a home offered for sale conforming to the request for a home, a purchase offer for the selection of a home offered for sale conforming to the request for a home, a purchase contract for the selection of a home offered for sale conforming to the request for a home, or a modification of the purchase contract for the selection of a home offered for sale conforming to the request for a home; and

a request for loan pricing data; the request for loan pricing data including:

at least one of: the request for a home offered for sale, the selection of a home offered for sale, the purchase offer for the selection of a home offered for sale, the purchase contract for the selection of a home offered for sale, or the modification of the purchase contract for the selection of the home offered for sale; and

a home buyer data;

provide automatically in response to the request, simultaneously, sequentially or both, immediately, later in the process, or both, and one or more times, a plurality of in tandem filtering processes; the plurality of in tandem filtering processes including at least one time filtering: data from the shared data source; data from a plurality of home sale transaction processes; and data from a plurality of loan pricing processes;

the plurality of loan pricing processes including using: data in the request for data, data from the shared data source, and data from the plurality of home sale transaction processes;

output automatically to at least one or more of the plurality of geographically remote computing devices, simultaneously, sequentially or both, immediately, later in the process or both, and one or more times, a webpage including a composite webpage that displays filtered loan pricing data and filtered home sale transaction data from the automatically provided plurality of in tandem filtering processes;

receive from the at least one remote computing device a selection of the filtered data from the shared processor automatically provided plurality of in tandem filtering processes; and

output automatically, to at least one or more of the plurality of geographically remote computing devices, simultaneously, sequentially or both, immediately, later in the process or both, and one or more times a webpage including a composite webpage that displays a plurality of documents;

the outputted plurality of documents including at least one time:

at least one or more of the purchase offer, the purchase contract, or a modification thereof; and

a loan application, a loan disclosure, a settlement document, a title insurance document, a loan note, a loan security instrument and a deed;

the plurality of documents collectively including: the home buyer data, the selected home data, the selected filtered loan pricing data, and the selected filtered home sale transaction data from the plurality of shared processor automatically provided in tandem filtering processes;

wherein the at least one remote computing device and the plurality of geographically remote computing devices include a home buyer computing device; and/or wherein the plurality of geographically remote computing devices includes: a home seller computing device, a real estate agent computing device, a lender computing device, and a settlement provider computing device; and/or wherein the home buyer data includes one or more of a home buyer: down payment data, income data, or debt data; and/or wherein the request for loan pricing data includes at least one of: a request for a loan quote, a request for a loan preapproval, a request for a loan approval, or a loan application; and/or wherein the request for loan pricing data includes a home buyer selection of the filtered loan pricing data; and/or wherein the filtered loan pricing data includes at least one of: a loan quote, a loan preapproval, or a loan approval;

whereby a shared processor and data source are configured to perform a home sale transaction more efficiently with fewer manual tasks, errors and delays at lower cost for the parties to the transaction.

2. The computing apparatus of claim 1 , wherein the plurality of loan pricing processes includes a process to calculate a loan-to-value ratio, an income-to-debt ratio, or both; and/or wherein the plurality of loan pricing processes includes a loan underwriting process; and/or wherein the shared date source includes a shared loan product and pricing database; and/or wherein a lender includes a mortgage broker, a direct mortgage lender, or both; and/or wherein filtered loan pricing data includes filtered loan pricing data for a plurality of loans; and/or wherein the filtered loan pricing data includes a loan amount data, a periodic loan payment data, or both; and/or wherein the filtered loan pricing data includes a periodic payment for at least one of: a real estate tax, a homeowner insurance premium, or a mortgage insurance premium; and/or wherein the filtered loan pricing data includes at least one of: a loan disclosure data, a good faith estimate data, or a truth-in-lending data; and/or wherein the filtered home sale transaction data includes a lowest cost data; and/or wherein the filtered loan pricing data includes loan pricing data for a plurality of loans offered by a plurality of lenders; and/or wherein filtered loan pricing data includes a lowest annual percentage rate.

3. The computing apparatus of claim 1 , wherein the request includes the purchase contract for the selection of a home offered for sale;

the outputted filtered loan pricing data is a loan approval; and

the plurality of home sale transaction processes includes a process pertaining to at least one of providing: loan funds to a settlement service provider, settlement instructions to a settlement service provider, a settlement service, a title abstract, title insurance, or a settlement escrow; and/or

wherein the request includes a loan note signed by the home buyer, a loan security instrument signed by the home buyer, a settlement statement signed by the home buyer and a home seller, and a deed signed by the home seller;

the plurality of home sale transaction processes includes at least one of a process to: record the signed deed, record the signed loan security instrument, provide a title insurance policy, perform an escrow process, or transfer funds to the home seller; and

the plurality of documents includes one or more of: the signed loan note, a title insurance binder, the recorded deed, the recorded loan security instrument, or a title insurance policy.

4. The computing apparatus of claim 1 , wherein the plurality of home sale transaction processes includes a process pertaining to at least one of: a real estate agent service, a real estate broker service, a home inspection service, a home warranty, a real estate tax, homeowner insurance, a settlement service, a home title, title insurance, or recording a transfer of title to a home; and/or

wherein plurality of loan pricing processes includes a process pertaining to providing at least one of: a credit score, appraisal, employment verification, loan verification, deposit verification, or mortgage insurance; and/or

the plurality of home sale transaction processes includes a process pertaining to at least one of a: homeowner insurance, environmental data, flood data, home inspection, pest inspection, homeowner association data, land record data, court record data, public record data, real estate tax, title transfer tax, title recording charge, title search, title insurance, or title recording.

5. The computing apparatus of claim 1 , wherein the shared processor and shared data source together include one or more databases accessible to one or more shared processors; and/or

wherein the shared processor and shared data source include connected servers and databases and/or computing systems configured to communicate electronically with each other and one or more of the plurality of geographically remote computing devices including via the geographically distributed shared network; and/or

wherein one or more of the plurality of geographically remote computing devices are in communication with the shared processor and shared data source via the geographically distributed shared computing network including using a shared Internet website served by the shared processor; and/or

wherein the shared Internet website includes one or more websites served by the shared processor.

6. The computing apparatus of claim 1 , wherein the shared processor automatically provided plurality of in tandem filtering processes includes at least one of: selecting data from the shared data source, providing one or more of the plurality of home sale transaction processes, or providing one or more of the plurality of loan pricing processes; and/or

wherein the plurality of home sale transaction processes includes a process pertaining to at least one of a: real estate agent service, real estate broker service, homeowner insurance, environmental data, flood data, real estate tax data, homeowner association (HOA) data, home warranty, home inspection service, pest inspection, settlement service, a home title, title insurance, settlement statement, deed, title recording charge, title search, or recording a transfer of a home title;

and/or

wherein the shared processor automatically provided plurality of loan pricing processes includes a process pertaining to at least one of: a credit score, an appraisal, an employment verification, a loan verification, a deposit verification, mortgage insurance, homeowner insurance, environmental data, flood data, a home inspection, a pest inspection, homeowner association data, land record data, a real estate tax, a settlement statement, a recording charge, a title search, or title insurance.

7. The computing apparatus of claim 1 , wherein the at least one of the plurality of geographically remote computing devices includes a real estate broker computing device;

and/or wherein the request for loan pricing data includes loan search criteria.

8. The computing apparatus of claim 1 , wherein the shared processor is configured to output automatically, to more than one of the plurality of geographically remote devices, simultaneously, sequentially or both, immediately, later in the process or both, and one or more times the composite webpage that displays a plurality of documents or a plurality of webpages that collectively display the plurality of documents.

9. A computer implemented method for facilitating a home sale, the method comprising:

communicating electronically by a shared processor with a plurality of geographically remote computing devices via a geographically distributed shared computing network; wherein one or more of the remote computing devices are configured with an input device and a graphical user interface; wherein the graphical user interface is configured to display an Internet webpage including a composite webpage; wherein the Internet webpage including the composite webpage are able to receive user input and display the shared processor output;

receiving by the shared processor from at least one of the plurality of geographically remote computing devices via the geographically distributed shared network a request; the request including:

at least one of: a request for a home offered for sale, a selection of a home offered for sale conforming to the request for a home offered for sale, a purchase offer for the selection of a home conforming to the request for a home offered for sale, a purchase contract for the selection of a home conforming to the request for a home offered for sale, or a modification of a purchase contract for the selection of a home conforming to the request for a home offered for sale; and

a request for loan pricing and origination data; the request for loan pricing and origination data including:

a home buyer data; and

at least one of: the request for a home offered for sale, the selection of a home offered for sale, the purchase offer for the selection of a home offered for sale, the purchase contract for the selection of a home offered for sale, or the modification of a purchase contract for the selection of a home offered for sale;

providing by the shared processor automatically in response to the request, simultaneously, sequentially or both, immediately, later in the process, or both, and one or more times, a plurality of in tandem filtering processes, the plurality of in tandem filtering processes including filtering:

data from a shared data source;

data from a plurality of loan pricing and origination processes; and

data from a plurality of home sale transaction processes;

the plurality of loan pricing and origination processes including using data in the request, data from the shared data source, and data from the plurality of home sale transaction processes;

outputting by the shared processor to at least one or more of the plurality of remote computing devices, simultaneously, sequentially or both, immediately, later in the process or both, and one or more times, a webpage including a composite webpage that displays filtered loan pricing and origination data and filtered home sale transaction data from the shared processor automatically provided plurality of in tandem filtering processes;

receiving by the shared processor from the at least one remote computing device a selection of the filtered data from the plurality of in tandem filtering processes; and

outputting by the shared processor, simultaneously, sequentially or both, immediately, later in the process or both, and one or more times, to at least one or more of the plurality of geographically remote computing devices a webpage including a composite webpage that displays a plurality of documents;

the outputted plurality of documents including at least one time:

at least one or more of the purchase offer, the purchase contract, or a modification thereof; and

a loan application, a loan disclosure, a settlement document, a title insurance document, a loan note, a loan security instrument and a deed;

the outputted plurality of documents collectively including: the selected home data, the home buyer data, the selected filtered loan pricing and origination data and the selected filtered home sale transaction data from the plurality of shared processor automatically provided in tandem filtering processes;

wherein the at least one remote computing device and the plurality of geographically remote computing devices include a home buyer computing device; and/or wherein the plurality of geographically remote computing devices includes: a home seller computing device, a real estate agent computing device, a lender computing device, and a settlement provider computing device; and/or wherein the home buyer data includes one or more of a home buyer: down payment data, income data, or debt data; and/or wherein the request for loan pricing data includes at least one of: a request for a loan quote, a request for a loan preapproval, a request for a loan approval, or a loan application; and/or wherein the request for loan pricing data includes a home buyer selection of the filtered loan pricing data; and/or wherein the filtered loan pricing data includes at least one of: a loan quote, a loan preapproval, or a loan approval;

whereby a home sale transaction is performed more efficiently with fewer manual tasks, errors and delays at lower cost for all the parties to the transaction.

10. The method of claim 9 , wherein the shared processor automatically provided plurality of loan pricing processes includes a process to calculate a loan-to-value ratio, an income-to-debt ratio or both; and/or wherein the plurality of loan pricing processes includes a loan underwriting process; and/or wherein the shared date source includes a shared loan product and pricing database; and/or wherein a lender includes a mortgage broker, a direct mortgage lender, or both; and/or wherein filtered loan pricing and origination data includes filtered loan pricing and origination data for a plurality of loans;

and/or wherein the filtered loan pricing and origination data includes a loan amount data, periodic loan payment data, or both; and/or wherein the filtered loan pricing and origination data includes a periodic payment for at least one of: a real estate tax, a homeowner insurance premium, or a mortgage insurance premium; and/or wherein the filtered loan pricing and origination data includes at least one of: a loan disclosure data, a good faith estimate data, or a truth-in-lending data; and/or wherein the filtered home sale transaction data includes a lowest cost data; and/or wherein the filtered loan pricing and origination data can include loan pricing data for a plurality of loans offered by a plurality of lenders; and/or wherein filtered loan pricing data includes a lowest annual percentage rate.

11. The method of claim 9 , wherein the request includes the purchase contract for the selection of a home offered for sale;

the outputted filtered loan pricing and origination data is a loan approval; and

the plurality of home sale transaction processes includes a process pertaining to at least one of providing: loan funds to a settlement service provider, settlement instructions to a settlement service provider, a settlement service, a title abstract, title insurance, or a settlement escrow; and/or

wherein the request includes a loan note signed by the home buyer, a loan security instrument signed by the home buyer, a settlement statement signed by the home buyer and a home seller, and a deed signed by the home seller;

the plurality of home sale transaction processes includes at least one of a process for: recording the signed deed, recording the signed loan security instrument, providing a title insurance policy, performing an escrow process, or transferring funds to the home seller; and

the plurality of documents includes at least one of: the signed loan note, a title insurance binder, the recorded deed, the recorded loan security instrument, or a title insurance policy.

12. The method of claim 9 , wherein the plurality of home sale transaction processes incudes providing a process pertaining to at least one of: a real estate agent service, a real estate broker service, a home inspection service, a home warranty, a real estate tax, homeowner insurance, a settlement service, a home title, title insurance, or recording a transfer of title to a home; and/or

wherein plurality of loan pricing and origination processes includes a process pertaining to providing at least one of a: credit score, an appraisal, employment verification, loan verification, deposit verification, or mortgage insurance; and/or

the plurality of home sale transaction processes includes a process pertaining to at least one of a: homeowner insurance, environmental data, flood data, home inspection, pest inspection, homeowner association data, land record data, court record data, public record data, real estate tax, title transfer tax, title recording charge, title search, title insurance, or title recording.

13. The method of claim 9 , wherein the shared processor and shared data source together include one or more databases accessible to one or more shared processors; and/or

wherein the shared data source and shared processor include connected servers and databases and/or computing systems in communication electronically with each other and one or more of the plurality of geographically remote computing devices including via the geographically distributed shared network; and/or

wherein one or more of the plurality of geographically remote computing devices are in communication with the shared processor and shared data source via the geographically distributed shared computing network using a shared Internet website served by the shared processor; and/or

wherein the shared Internet website includes one or more websites served by the shared processor.

14. The method of claim 9 , wherein the shared processor automatically provided plurality of in tandem filtering processes includes at least one of: selecting data from the shared data source, providing one or more of the plurality of home sale transaction processes, or providing one or more of the plurality of loan pricing and origination processes; and/or

wherein the plurality of home sale transaction processes includes a process pertaining to providing at least one of a: real estate agent service, real estate broker service, homeowner insurance, environmental data, flood data, real estate tax data, homeowner association (HOA) data, homeowner warranty, home inspection service, pest inspection, settlement service, a home title, title insurance, settlement statement, deed, title recording charge, title search, or recording a transfer of a home title; and/or

wherein the shared processor automatically provided plurality of loan pricing and origination processes includes a process pertaining to at least one of: a credit score, an appraisal, an employment verification, a loan verification, a deposit verification, mortgage insurance, homeowner insurance, environmental data, flood data, a home inspection, a pest inspection, homeowner association data, land record data, a real estate tax, a settlement statement, a recording charge, a title search, or title insurance.

15. A non-transitory computer-readable medium capable of communication with a data apparatus, including a geographically distributed computing network, the non-transitory computer-readable medium including an executable software code stored thereon, the code including instructions for causing a computer to perform the method steps of claim 9 .

16. The method of claim 9 , wherein the at least one of the plurality of geographically remote computing devices includes a real estate broker computing device;

and/or wherein the request for loan pricing data includes loan search criteria.

17. The method of claim 9 , wherein the shared processor is configured to output automatically, to more than one of the plurality of geographically remote devices, simultaneously, sequentially or both, immediately, later in the process or both, and one or more times the composite webpage that displays a plurality of documents or a plurality of webpages that collectively display the plurality of documents.

Continuity (4)
Continuation 17074558 · Oct 19, 2020
Continuation 15946962 · Apr 6, 2018
Continuation 13784574 · Mar 4, 2013
Continuation 12457598 · Jun 16, 2009
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Time for Title Data Standards Is Now, TitleNews Online Archive, Aug. 25, 2021, 3 pages (p. 1); (Retrieved from Internet Oct. 14, 2021); https://www.alta.org/news/news.cfm?20210825-Time-for-Title-Data-Standards-Is-Now. [cited by applicant]
The Qualia Homebuyer Sentiment Index: Insights Into Homebuyer Perceptions & Needs; Oct. 2020, 14 pages (pp. 2, 10-13); (Retrieved from Internet Sep. 21, 2021); https://learn.qualia.com/hubfs/Qualia-Homebuyer-Sentiment-I… [cited by applicant]
6 Differences Between Selling Commercial Real Estate and a Home, OfficeFinder Information and Referral Network, by Christine Inton, Mar. 31, 2021; 4 pages. (pp. 1-6) (Retrieved from Internet Sep. 25, 2021); https://www.… [cited by applicant]
Commercial vs residential lending: know your loans—Originators are becoming more interested in commercial products, and understanding the differences between commercial and residential lending is step one; Mortgage Prof… [cited by applicant]
Mortgage Technology Report by Dodd Frank Update and October Research Oct. 2021; 16 pages (pp. 4) (As copied off Internet Oct. 14, 2021) https://www.doddfrankupdate.com/dfu/Mortgage-Technology-2021.aspx?button2. [cited by applicant]
Zillow to shutter home buying business and lay off 2,000 employees as its big real estate bet falters, by Taylor Soper, hwww.geekwire.com, Nov. 2, 2021, 11 pages (p. 5) (As copied off Internet on Nov. 10, 2021) https://… [cited by applicant]
What ever happened to Transaction Management? by Brian Boero, 1000watt.net, Apr. 8, 2008; 5 pages (pp. 1-2) (As copied off the Internet Nov. 12, 2021) https://1000watt.net/blog/what-ever-happe/. [cited by applicant]
Real Estate Document Management in 2012, Sep. 19, 2012, Updated Sep. 25, 2012, Clareity Consulting, 30 pages (p. 1) (As copied of Internet Oct. 29, 2012) www.callclareity.com/real-estate-document-management-2012-clareit… [cited by applicant]
Zillow.com Home Search Website Showing 10,846 Homes for Sale for Chicago, IL Search Results Apr. 3, 2021; 24 pages (p. 1) (As copied off the Internet Apr. 3, 2021); https://www.zillow.com/homes/chicago,-il_rb/. [cited by applicant]
The 7 most popular types of mortgage loans for home buyers, by Johnson Damian, Mortgage Professional America, May 19, 2021; 6 pages (pp. 1-5) (As copied off Internet Oct. 21, 2021) https://www.mpamag.com/us/mortgage-ind… [cited by applicant]
Negotiating the loan commitment, The borrower's perspective, by John N. Oest, ABA Business Law Section, Business Law Today, vol. 19, No. 3 Jan./Feb. 2010; 8 pages (p. 2) (As copied off Internet Oct. 21, 2021) http://app… [cited by applicant]
Derivatives Implementation Group Statement 133 Implementation Issue No. C13 [Previously No. E13]; Financial Accounting Standards Board, Apr. 10, 2002; 4 pages (p. 1) (As copied off Internet Oct. 21, 2021) https://www.fa… [cited by applicant]
Amortization Table Per Thousand, MathInfo,com; 1 page (p. 1) (As copied off webpage Mar. 9, 2021); https://math.info/Misc/Amortization_Table_Per_Thousand/. [cited by applicant]
Amortization Chart, Monthly Payment Per $1,000 of Mortgage, South Central Wisconsin MLS, scwmls.com; 1 page (p. 1) (As copied off webpage Mar. 9, 2021); https://www.scwmls.com/pdf/amortization_chart.pdf. [cited by applicant]
Monthly Payments Per $1000 & Total Cost [Principal and Interest Combined], HSH® Associates, Financial Publishers, HSH.com; 7 pages (pp. 1-5) (As copied off webpage Mar. 9, 2021); https://www.hsh.com/mopaytable-print.htm… [cited by applicant]
Get Customized Loan Quotes From Zillow, Loan Quotes 25% Down, Dallas, TX 75204, Oct. 18, 2021, Zillow.com; 4 pages (pp. 1-3) (As copied off Internet Oct. 18, 2021); https://www.zillow.com/mortgage-rates/quotes/?auto=tru… [cited by applicant]
Get Customized Loan Quotes From Zillow, Loan Quotes 5% Down, Dallas, TX 75204, Oct. 18, 2021, Zillow.com; 4 pages (pp. 1-3) (As copied off Internet Oct. 18, 2021); https://www.zillow.com/mortgage-rates/quotes/?auto=true… [cited by applicant]
What Is a Loan-to-Value Ratio? How to Calculate Loan-to-Value Ratio, by Justin Pritchard, TheBalance.com, Oct. 21, 2020; 4 pages (p. 2) (As copied off the Internet Oct. 16, 2021) https://www.thebalance.com/loan-to-value… [cited by applicant]
Debt-to-Income Ratio and Mortgages, How does your debt to income ratio affect getting a mortgage? by Pete Mugleston, OnLineMortgageAdvisor, Oct. 8, 2021; 23 pages (p. 13) (As copied off the Internet Oct. 16, 2021) https… [cited by applicant]
Why is the 43% debt-to-income? Why is the 43% debt-to-income ratio important?, Consumer Financial Protection Bureau (CFPB), Nov. 15, 2019; 3 pages (p. 1) (As copied off the Internet Oct. 16, 2021) https://www.consumerfi… [cited by applicant]
Mortgage rules, What the new CFPB mortgage rules mean for families and homeowners, Consumer Financial Protection Bureau, 2013; 2 pages (p. 1) (Retrieved from Internet Oct. 16, 2021); https://files.consumerfinance.gov/f/… [cited by applicant]
Taskforce on Federal Consumer Financial Law Report vol. I, Bureau of Consumer Financial Protection, Jan. 2021; 798 pages (pp. 12-13); (Retrieved from Internet Nov. 24, 2021) https://files.consumerfinance.gov/f/documents… [cited by applicant]
Mortgage Technology Report by Dodd Frank Update and October Research Oct. 2021; 16 pages (p. 4) (As copied off Internet Oct. 14, 2021) https://www.doddfrankupdate.com/dfu/Mortgage-Technology-2021.aspx?button2. [cited by applicant]
What is a debt-to-income ratio? Why is the 43% debt-to-income ration important?, Consumer Financial Protection Bureau (CFPB), Nov. 15, 2019; 3 pages (p. 1) (As copied off the Internet Oct. 16, 2021) https://www.consumer… [cited by applicant]
Web Article—“Shopping Around for a Mortgage Pays Off for Consumers”, by Senior Vice President and Chief Economist, Fannie Mae, pp. 1-2 (see p. 1) (Aug. 5, 2019), https://www.fanniemae.com/research-and-insights/perspecti… [cited by applicant]
Iproperty.com, Inc., Chorus Technology Walkthrough, www iProperty com; (c) 2001, Lexena, KS. [cited by applicant]
Amy E Lemen, “Are you Ready to Jump into Transaction Management;” Texas Realtor Online; Feb. 2001, Austin, TX; http://www.texasrealtoronline.com/issues/0201/platforms/0201platforms.htm- I. [cited by applicant]
ClickConnect.RTM. Real Estate System Slide Presentation; Wintrans Solutions; http://www.wintranssolutions.com; Nov. 2004; San Jose, CA. [cited by applicant]
Subrao Shenoy, PlanetRE Online Demo; Dec. 1, 2004; San Jose, CA; www.PlanetRE.com. [cited by applicant]
EFrogg Online Demo; www.efrogg.com; Nov. 12, 2004; Winchester, VA. [cited by applicant]
Directory of Mortgage Servicing Technology,2005; Zackin Publications Inc; Waterbury, CT; http://www.sm-online.com/sm/ar-smtech2005.pdf. [cited by applicant]
Fares Transaction Management System, Prepared by First American Residential Group, Nov. 10, 2004, Santa Ana, CA.pdf. [cited by applicant]
Blanche Evans, “ezClose com Debuts As the Internet's First Online Title Escrow Company,” Feb. 15, 2000; Realty Times; Dallas, TX; http://realtytimes.com/rtpages120000215.sub.--ezclose.sub.--htm. [cited by applicant]
Auto-RE on Line Demo, Auto-RE LLC, Oct. 2005, Denver, CO; www.auto-re.com. [cited by applicant]
Online Real Estate Transaction Management Is it ready for prime time; Clareity Consulting & Communications, Inc.; Scottsdale, AZ, Feb. 2003; http://www.callclareity.com/2003-tmp.cfm. [cited by applicant]
Transaction Management A State of the Industry Report, Jul. 21, 2005; Clareity Consulting & Communications, Inc.; Scottsdale, AZ; http://www.callclareity.com/2005-tms.pdf. [cited by applicant]
First Online Real Estate Transaction Closes Using CloseYourDeal com, May 19, 2000; Business Wire, New York, NY; http://www.thefreelibrary.com/First+Online+Real+Estate+Transaction+Closes+Using+CloseYourDeal.com.-a0621924… [cited by applicant]
“DynaConnections Introduces the New Generation of MLS Solution” Nov. 18, 2002; RisMedia, Inc., Norwalk, CT; http://rismedia.com/wp/2002-11-18/dynaconnections-introduces-the-new-generation-of-mls-solutions/. [cited by applicant]
“Transaction Point.RTM. Overview,” 2005; Fidelity National Information Solutions, Inc., Santa Barbara, CA; http://www.transactionpoint.com/files/TransactionPoint%20Overview092606.pdf. [cited by applicant]
“Blueflame Creates Comprehensive Internet-Based Real Estate Solution for Home-Link Services” Aug. 28, 2000; Business Wire, Hackensack, NJ; http://findarticles.com/p/articles/mi._m0EIN/is._2000_August_23/ai_64493220. [cited by applicant]
Interealty MLX Exchange Professional Demo, Nov. 2004; Interealty, Vienna, VA; http://www.interealty.com. [cited by applicant]
Blanche Evans, “Internet MLS and Transaction Management All in One” Aug. 17, 2000; Realty Times, Dallas, TX; http://realtytimes.com/rtpages/20000817_allinone.htm. [cited by applicant]
Microsoft Joins Forces with Freddie Mac, Chase Manhattan, GMAC-RFC, Norwest Mortgage, and Bank of America to Form New Company, PR Newswire, Mar. 16, 2000. [cited by applicant]
Jessica Swesey, Online real estate transaction makes comeback Part 1 of 3 Industry takes note of changing marketplace, May 27, 2003; Inman News, Alameda, CA. [cited by applicant]
Jessica Swesey, Online transactions sharpen competitive edge Part 2 of 3 Brokers get benefits of real estate transaction automation, May 28, 2003; Inman News, Alameda, CA. [cited by applicant]
Jessica Swesey, Next generation transaction platforms find niche Part 3 of 3 Vendors add features, target market segments to gain traction, May 29, 2003, Inman News, Alameda, CA. [cited by applicant]
Microsoft Introduces Realty Desktop the First Completely Web-Based Customer Management Tool for Real Estate Brokers, Feb. 23, 2000, San Francisco, CA; http://www.microsoft.com/Presspass/press/2000/feb00/realtydesktoppr.… [cited by applicant]
NTREIS Introduces Industry-Leading Real Estate Information Network, May 13, 2003, PR Newswire, New York, NY; http://www.prnewswire.com/cgi-bin/stories.pl?ACCT=104&STORY=/www/story/05-13-2003/0001945713. [cited by applicant]
Robert A. Heverly, Real Estate Transactions on the Web, Jan.-Feb. 2002; ABA Probate & Property Magazine, Chicago, IL; http://www.settlementroom.com/pages/pr/ProbateArticle.html. [cited by applicant]
SettlementRoom Online Demo; Jul. 7, 2005; SettlementRoom Systems, Inc, Vienna, VA; www settlementroom com. [cited by applicant]
SureClose TMS (Broker,Lender,Title) Slide Presentation; Oct. 27, 2004, Stewart Realty Services, Houston, TX. [cited by applicant]
“The Transaction Coordinator an Underutilized Asset to Residential Real Estate,” Jun. 2003; by Clareity Consulting & Communications, Inc., Scottsdale, AZ; http://www.callclarity.com/Clareity-TC-WhitePaper.pdf. [cited by applicant]
Stephen Bedikian, Transaction Management, Realizing Operating Efficiencies and Achieving Marketplace Advantage, Jan. 2003; RealIQ Cobsulting, Los Angeles, CA. [cited by applicant]
“First American Introduces SourceMasterTm Powered by Dorado—A Next Generation Technology for Vendor and Transaction Management With Advanced Bundling Capabilities” Mar. 10, 2003; First American Corporation, Los Angeles,… [cited by applicant]
FARES Transaction Management System, Prepared by First American Residential Group, Nov. 10, 2004, Santa Ana, CA. [cited by applicant]
“Realty Plus Online Launches CloseYourDeal.com Nationally;” Sep. 18, 2000; Business Wire, New York, NY; http://findarticles.com/p/articles/mi_m0EIN/is_2000_Sept_18/ai_65268702. [cited by applicant]
http://www.rateplug.com, HandHeld Power LLC, Naperville, IL (As shown in Memorandum Regarding Major Internet Home Search and Real Estate Company Websites Oct. 12, 2006 to Oct. 29, 2006.pdf; Exhibit A Major Internet Home… [cited by applicant]
http://www.closeyourdeal.com/ (Web site no longer available). [cited by applicant]
http://www.eREALTOR.com (Web site no. longer available) (formerly RealtyLinks.com) operated by Homestore.com, Inc. [cited by applicant]
http://www.dealtrack.com (Web site no longer available) (RELAY Transaction Management; REBT, LLC, 525 South Virgil Ave, Los Angeles, CA 90020 which operates www.rebt.com). [cited by applicant]
http://www.realtydesktop.com (Web site no longer available) (formerly operated by Microsoft Corp). [cited by applicant]
http://www.synteleos.com; (Web site no longer available) (Synteleos, Inc. Pleasanton, California sold technology to GURU NETworks, Inc., 11145 Glade Dr. Suite 100, Reston, VA 20191 which operates www.gurunet.net). [cited by applicant]
http://base.google.com/; Google (As shown in Memorandum Regarding Major Internet Home Search and Real Estate Company Websites Oct. 12, 2006 to Oct. 29, 2006.pdf; Exhibit A Major Internet Home Search Portals Oct. 12, 200… [cited by applicant]
http://www.realestate.msn.com/buying/; MSN; (As shown in Memorandum Regarding Major Internet Home Search and Real Estate Company Websites Oct. 12, 2006 to Oct. 29, 2006.pdf; Exhibit A Major Internet Home Search Portals … [cited by applicant]
http://www.MSHomeAdvisors.com (Web site no longer available) (formerly operated by Microsoft Corp; Redmond, WA). [cited by applicant]
http://www.Realtor.com; (As shown in Memorandum Regarding Major Internet Home Search and Real Estate Company Websites Oct. 12, 2006 to Oct. 29, 2006.pdf; Exhibit A Major Internet Home Search Portals Oct. 12, 2006 to Oct… [cited by applicant]
http://www.realestate.yahoo.com; (As shown in Memorandum Regarding Major Internet Home Search and Real Estate Company Websites Oct. 12, 2006 to Oct. 29, 2006.pdf; Exhibit A Major Internet Home Search Portals Oct. 12, 20… [cited by applicant]
http://www.realestate.aol.com; (As shown in Memorandum Regarding Major Internet Home Search and Real Estate Company Websites Oct. 12, 2006 to Oct. 29, 2006.pdf; Exhibit A Major Internet Home Search Portals Oct. 12, 2006… [cited by applicant]
http://www.coldwellbanker.com; Coldwell Banker Real Estate; (As shown in Memorandum Regarding Major Internet Home Search and Real Estate Company Websites Oct. 12, 2006 to Oct. 29, 2006.pdf; Exhibit A Major Internet Home… [cited by applicant]
http://www.weichert.com; Weichert Real Estate; (As shown in Memorandum Regarding Major Internet Home Search and Real Estate Company Websites Oct. 12, 2006 to Oct. 29, 2006.pdf; Exhibit A Major Internet Home Search Porta… [cited by applicant]
http://www.longandfoster.com; Long and Foster Real Estate; (As shown in Memorandum Regarding Major Internet Home Search and Real Estate Company Websites Oct. 12, 2006 to Oct. 29, 2006.pdf; Exhibit A Major Internet Home … [cited by applicant]
http://www.remax.com; RE/MAX; (As shown in Memorandum Regarding Major Internet Home Search and Real Estate Company Websites Oct. 12, 2006 to Oct. 29, 2006.pdf; Exhibit A Major Internet Home Search Portals Oct. 12, 2006 … [cited by applicant]
http://www.cbmove.com; Coldwell Banker Real Estate; (As shown in Memorandum Regarding Major Internet Home Search and Real Estate Company Websites Oct. 12, 2006 to Oct. 29, 2006.pdf; Exhibit A Major Internet Home Search … [cited by applicant]
http://www.prufoxroach.com; Prudential Fox Roach; (As shown in Memorandum Regarding Major Internet Home Search and Real Estate Company Websites Oct. 12, 2006 to Oct. 29, 2006.pdf; Exhibit A Major Internet Home Search Po… [cited by applicant]
Janis Mara, Case studies of paperless success, Inman News Oct. 19, 2005; http://www.alta.org/press/release.cfm?newsID=3210. [cited by applicant]
Glenn Roberts Jr., The new page-turner: Paperless real estate technology, Inman News, Oct. 20, 2005, http://www.alta.org/indynews/news.cfm?newsID=3209. [cited by applicant]
First American Expands Technology Offerings to Help Lenders and Settlement Agents Streamline Closing Process, The First American Corporation, Oct. 19, 2005; http://www.alta.org/indynews/news.cfm?newsID=3194. [cited by applicant]
The First American Corporation Acquires Interealty, by The First American Corporation, Oct. 3, 2005; http://www.alta.org/indynews/news.cfm?newsID=3149. [cited by applicant]
Stewart's eClosingRoom(TM) Technology Transforms Home Buying Experience for Fresno, Calif Buyers, Jul. 22, 2005, Stewart Title Co; http://www.alta.org/indynews/news.cfm?newsID=2961. [cited by applicant]
Another Texas county adopts paperless real estate closing system, Inman News Jun. 2, 2005; http://www.alta.org/indynews/news.cfm?newsID=2835. [cited by applicant]
Real estate loan closing processes get fuller automation, Inman News, Jun. 13, 2005; http://www.alta.org/indynews/news.cfm?newsID=2864. [cited by applicant]
Fidelity National Financial Division Enhances Real Estate Transaction Management Solution, Jan. 6, 2005, Fidelity National Financial, Inc.; http://www.alta.org/indynews/news.cfm?newsID=2409. [cited by applicant]
Hall Settlement Systems Offers Insight on the Future of Total Transaction Management Systems at ALTA.RTM. Annual Convention Oct. 11, 2006, Hall Settlement Systems; http://www.alta.org/technology/news.cfm?newsID=4245. [cited by applicant]
RamQuest Makes the Right Connections With Closing Market, Oct. 3, 2006, RamQuest Software, Inc; http://www.alta.org/technology/news.cfm?newsID=4226. [cited by applicant]
RamQuest Releases Newest Version of Flagship Solution, Aug. 17, 2006, RamQuest Software, Inc; http:www.alta.org/technology/news.cfm?newsID=4067. [cited by applicant]
Janis Mara, Google moves further into real estate, Apr. 7, 2006, Inman News; http://www.alta.org/technology/news.cfm?newsID=3711. [cited by applicant]
First American Launches Real Estate Information Technology Company, Marketlinx, Inc, Jan. 30, 2007, First American Corporation; http://www.alta.org/technology/news.cfm?newsID=4597. [cited by applicant]
Stewart Transaction Solutions Strengthens End-to-End Electronic Real Estate Transaction with Majority Investment, Feb. 5, 2007, Stewart Information Services Corp; http://www.alta.org/technology/news.cfm?newsID=4611. [cited by applicant]
Marketlinx Recognized as a Top Ten Technology Trendsetter, Mar. 22, 2007, MarketLinx; http://www.alta.org/technology/news.cfm?newsID=4749. [cited by applicant]
http://www.alta.org/technology/technews.cfm; American Land Title AssociationTM, 1828 L Street, NW, Suite 705, Washington, DC 20036-5104. [cited by applicant]
2007 Swanepoel Trends Report; http://www.retrends.com/; RealSure, Inc., 8 Argonaut, Suite 100, Aliso Viejo, CA 92656. [cited by applicant]
RETrends Aritcles and Writings; http://www.retrends.com/real_estate_trends_articles.asp; RealSure, Inc., 8 Argonaut, Suite 100, Aliso Viejo, CA 92656. [cited by applicant]
http://www.retechnologynews.com; Real Estate Technology News an October Research Corporation publication, PO Box 370, Richfield, Ohio 44286 877-662-8623. [cited by applicant]
Danny Sullivan, “Google Launches Comparison Ads, Starting With Mortgages,” Oct. 29, 2009, Search Engine Land; http://searchengineland.com/google-launches-comparison-ads-starting-with-mortgages-28810. [cited by applicant]
http://www.cbmove.com; (As copied off Web site Oct. 2009). [cited by applicant]
http://www.coldwellbanker.com/; (As copied off Web site Oct. 2009). [cited by applicant]
http://www.homesdatabase.com/; (As copied off Web site Oct. 2009). [cited by applicant]
http://www.weichert.com/; (As copied off Web site Oct. 2009). [cited by applicant]
http://www.prufoxroach.com/; (As copied off Web site Oct. 2009). [cited by applicant]
http://www.remax.com/; (As copied off Web site Oct. 2009). [cited by applicant]
http://www.realestate.com/; (As copied off Web site Oct. 2009). [cited by applicant]
http://maps.google.com/maps?h1=en&tab=f1; (As copied off Web site Oct. 2009). [cited by applicant]
https://www.google.com/comparisonads/mortgages#ti=0; (As copied off Web site Nov. 2009). [cited by applicant]
http://www.har.com/; (As copied off Web site Oct. 2009). [cited by applicant]
http://www.longandfoster.com/; (As copied off Web site Oct. 2009). [cited by applicant]
http://realestate.yahoo.com/; (As copied off Web site Sep. 2009). [cited by applicant]
http://realestate.aol.com/; (As copied off Web site Oct. 2009). [cited by applicant]
http://www.realestate.msn.com/; (As copied off Web site Oct. 2009). [cited by applicant]
http://www.realtor.com/; (As copied off Web site Oct. 2009). [cited by applicant]
http://www.zillow.com/; (As copied off Web site Oct. 2009). [cited by applicant]
Tom Dooley et al., “Real Estate Confronts Reality,” Real Estate Education Company, publisher (Jan. 1, 1998). http://books.google.com/books?id=smmgVduqX7EC&dq=Real+Estate+confronts+Reality,+by+StefanSwanepoel&hl=en&ei=uy… [cited by applicant]
Stefan Swanepoel, “Real Estate Confronts the e-Consumer,” RealSure, Inc., publisher, pp. 135-147 (2000). http://books.google.com/books?id=xYaNnWUOuWgC&pg=PA138&lpg=PA138&dq=Doug+Dayhoff+risco&source=bl&ots=Djp4hay8vK&si… [cited by applicant]
Stefan Swanepoel et al., “Real Estate Confronts the Future,” Thomson South-Western, publisher (2005). http://books.google.com/books?id=RriYVY_Vs74C&dq=Real+Estate+confronts+the+Future+(2004)+by+Stefan+Swanepoel&hl=en&sa… [cited by applicant]
Stefan Swanepoel, “Trends Report 2009, Top 10 Business Trends Impacting the Real Estate Industry,” RealSure, Inc., publisher (2008) http://books.google.com/books?id=QVnxdzG-87cC&pg=PA157&dq=Real+Estate+confronts+Reality… [cited by applicant]
“LendingTree Eliminates Need for Manual Loan Approvals Online Loan Marketplace Becomes First to Offer Real-Time Approvals from Multiple Lenders,” Business Wire, 1 page (May 12, 1999). http://www.thefreelibrary.com/Lendi… [cited by applicant]
“LendingTree and arcsystems.com to Offer Automated Underwriting to Network of Lenders Via the Internet,” Company Press Release, ArcSystems.com, Company Press Release, 2 pages (Jul. 19, 1999). http://www.opticality.com/P… [cited by applicant]
“Lending Tree Makes AU Available on Site.(LT2k automated underwriting system),” National Mortgage News, 2 pages (Aug. 16, 2999). http://www.highbeam.com/doc/1G1-55580584.html (downloaded from the internet Feb. 10, 2013). [cited by applicant]
“Treasury Statements About Fannie, Freddie Focus Attention on the GSEs,” Realty Times, 1 page (Mar. 28, 2000). http://realtytimes.com/rtpages/20000328_treasury.htm (downloaded from internet Feb. 26, 2013). [cited by applicant]
“LendingTree Announces Multi-Year Agreement With Freddie Mac to Provide Superior Online Mortgage Loan Technology to Lenders,” Business Wire, 3 pages (see pp. 1-2) (Jul. 10, 2000). http://www.thefreelibrary.com/LendingTr… [cited by applicant]
Robert Julavits, “Online Loan Platforms Duel in B-to-B Arena: LendingTree, Freddie to Link Origination Systems,” American Banker, 1 page (Jul. 12, 2000). http://www.highbeam.com/doc/1G1-63320891.html (downloaded from th… [cited by applicant]
Brian Collins, “Loan to LendingTree Prompts OFHEO Review,” American Banker, 2 pages (Mar. 26, 2001). http://license.icopyright.net/user/viewFreeUse.act?fuid=MTY5NDU2Mzl%3D; http://business.highbeam.com/392999/article-1G… [cited by applicant]
Dennis W. Carlton, et al. “The Competitive Effects of Fannie Mae,” Fannie Mae Papers, vol. 1, Issue 1, pp. 1-14 (see pp. 13-14) (Jan. 2002). [cited by applicant]
Scott Kersnar, “LendingTree and LP Forge a Link: Some lenders are squawking, ‘When GSEs compete, we lose.’,” Mortgage Technology, 4 pages (see pp. 1-3) (Apr. 1, 2002). http://business.highbeam.com/394287/article-1G1-837… [cited by applicant]
“LendingTree Cancels Its Freddie Mac LOC,” National Mortgage News, 1 page (Nov. 4, 2002). http://business.highbeam.com/392999/article-1G1-93908645/lendingtree-cancels-its-freddie-mac-lo (downloaded from the internet Feb… [cited by applicant]
“NAR Asks New Fed Chair to Maintain Separation of Banking & Commerce,” Business Wire, 2 pages (Feb. 2, 2006). http://www.thefreelibrary.com/NAR+Asks+New+Fed+Chair+To+Maintain+Separation+Of+Banking+%26+Commerce.-a0141596… [cited by applicant]
“Microsoft Joins Forces with Freddie Mac, Chase Manhattan, GMAC-RFC, Norwest Mortgage, and Bank of America to Form New Company. HomeAdvisor Technologies Inc. Created to Revolutionize Mortgage and Real Estate Transaction… [cited by applicant]
Laura Doster, “The Breakup of HomeAdvisor Technologies,” Mortgage Bankers Association of America, 6 pages (see pp. 1-2) (Apr. 1, 2001). http://www.thefreelibrary.com/THE+BREAKUP+OF+HomeAdvisor+Technologies.-a077828991 (… [cited by applicant]
Blanche Evans, “Microsoft Launches Realty Desktop Nationwide,” Realty Times, 5 pages (see pp. 1-2) (Feb. 22, 2001). http://realtytimes.com/rtpages/20010223_desktop.htm (downloaded from the internet Aug. 31, 2013). [cited by applicant]
“Microsoft Introduces Realty Desktop. The First Completely Web-Based Customer Management Tool For Real Estate Brokers,” Microsoft Press Release, 4 pages (see pp. 1-2) (Feb. 23, 2000). http://www.microsoft.com/en-us/news… [cited by applicant]
“Geac's Interealty.com and HomeAdvisor Technologies Join Forces to Deliver Realty Desktop to More Than 260,000 Realtors,” Business Wire, 3 pages (May 18, 2000). http://www.thefreelibrary.com/Geac's+Interealty.com+and+Ho… [cited by applicant]
Blanche Evans, “Homestore Drops Bomb on Transaction Management/Lending Industry,” Realty Times, 4 pages (see pp. 1-2) (Oct. 25, 2000). http://realtytimes.com/rtpages/20001025_homsonepipe.htm (downloaded from the interne… [cited by applicant]
Blanche Evans, “eRealtor com: Getting Ready to Roll Out,” Realty Times, 4 pages (see p. 1) (Aug. 29, 2000). http://realtytimes.com/rtpages/20000829_erealtor.htm (downloaded from the internet Sep. 1, 2013). [cited by applicant]
Mike Patrick, “eRealtor.com Is On its Way,” RISMEDIA-NRRE, vol. 16-9, 6 pages (see pp. 2-3) (2000). [cited by applicant]
AE Institute Roundtable Discussion on the Past and Future of Homestore and Realtor.com, AE Institute in St. Louis, MO., 19 pages (see pp. 13, 14, 16) (2001). http://www.realtor.org/realtororg.nsf/ca2dae5fa466338d862567e… [cited by applicant]
Blanche Evans, “NTREIS Introduces Integrated MLS-Transaction Management System,” RealtyTimes, 5 pages (see pp. 1-2) (May 12, 2003). http://realtytimes.com/rtpages/20030512_ntreis.htm (downloaded from the internet Sep. 2… [cited by applicant]
“OnePipeline Confirms Layoffs, Predicts Profits,” National Mortgage News, 9 pages (see p. 3) (Nov. 8, 2001). http://www.nationalmortgagenews.com/dailybriefing/2001_215/-395149-1.html (downloaded from the internet Sep. 2… [cited by applicant]
“Investor Nabs OnePipeline. Financial Services Company Takes Over Brand Name, Business Model,” Inman News Features, 2 pages (Mar. 11, 2002). http://www.alta.org/news/news.cfm?newsID=1159 (downloaded from the internet Se… [cited by applicant]
M. Lynne Markus et al., “The Computerization Movement in the US Home Mortgage Industry: Automated Underwriting from 1980-2004,” Computerization Movements and Technology Diffusion: From Mainframes to Ubiquitous Computing… [cited by applicant]
Charlyne H. McWilliams, “Opening the black box: Automated underwriting technology comes in many different shapes and sizes. Here's guide to some of the options out there.”, The Free Library, 9 pages (see pp. 2-4) (Dec. … [cited by applicant]
Blanche Evans, “Microsoft Launches Realty Desktop Nationwide,” Screen Shot of of the Desktop, RealtyTimes, 1 page (Feb. 22, 2001). http://img.realtytimes.com/rtimages/20010222_img/$file/rd2homepage.jpg. [cited by applicant]
Blanche Evans, “Microsoft Launches Realty Desktop Nationwide,” Screen Shot of the Client Page, RealtyTimes, 1 page (Feb. 22, 2001). http://img.realtytimes.com/rtimages/20010222_img/$file/rd2clientwebpage.jpg. [cited by applicant]
“iProperty.com Connects with GHR to Power Real Estate Management Engine; Chorus(SM) Offers Immediate Connectivity From Multiple Lenders,” PR Newswire, 3 pages (see pp. 1-2) (Jul. 10, 2000). http://www.thefreelibrary.com… [cited by applicant]
Blanche Evans, “Microsoft Rolls Out New Company—HomeAdvisor Technologies, Inc.,” RealtyTimes, 4 pages (see pp. 1-2) (Mar. 15, 2000). http://realtytimes.com/todaysheadlines1/item/20615-20000316_hadvisortech (downloaded f… [cited by applicant]
“Microsoft Realty Desktop,” Promotional Brochure, 4 pages (see pp. 2-3) (© 2001). [cited by applicant]
“Interealty MLXchange for Agents,” Promotional Brochure, 2 pages (© 2001). [cited by applicant]
“HomeStore eRealtor,” Promotional Brochure, 4 pages (© 2000). [cited by applicant]
“CFPB Report Finds Nearly Half of Borrowers Do Not Shop for a Mortgage,” CFPB, 4 pages (see pp. 1-2) (Jan. 13, 2015). http://www.consumerfinance.gov/newsroom/cfpb-report-finds-nearly-half-of-borrowers-do-not-shop-for-a-… [cited by applicant]
“Consumers' Mortgage Shopping Experience, A first look at results from the National Survey of Mortgage Borrowers,” pp. 8-10, CFPB, pp. 1-26 (see pp. 9-10) (Jan. 2015). http://files.consumerfinance.gov/f/201501_cfpb_cons… [cited by applicant]
“HUD, Treasury Release Joint Report Recommending Actions to Curb Predatory Lending,” U.S. Department of Housing and Urban Development. HUD Archives: News Releases. HUD No. 00-142 (Jun. 20, 2000). (2 pages; See pp. 1-2).… [cited by applicant]
HUD-Treasury Report (Jun. 20, 2000). (121 pages; See pp. 1-11, 16-24, 60-68, 71-73, 80). https://www.huduser.gov/publications/pdf/treasrpt.pdf. [cited by applicant]
US's largest Realtor association to dotloop: ‘Hands off our forms’ Stance sparks copyright vs. innovation debate; by Paul Hagey, Inman News, Jun. 6, 2013 (16 pages; see p. 1); http://www.inman.com/2013/06/06/uss-largest… [cited by applicant]
“The Last Stand of the 6-Percenters?” Sep. 3, 2006 (8 pages; see pp. 2-4); by Damon Darlin, The NY Times; http://www.nytimes.com/2006/09/03/business/yourmoney/03real.html. [cited by applicant]
The Great Turf War of the New Millennium Can Banks Engage in Real Estate, by Harrison K. Bishop, UNC School of Law, North Carolina Banking Inst. vol. 6, Issue 1, Art. 12, 2002 (21 pages; see pp. 8-9, 11-13, 20); http://… [cited by applicant]
NAR Asks New Fed Chair to Maintain Separation of Banking & Commerce., Business Wire, 2006 (3 pages; see p. 2); http://www.thefreelibrary.com/NAR+Asks+New+Fed+Chair+To+Maintain+Separation+Of+Banking+%26+Commerce.-a014159… [cited by applicant]
“Competition in the Real Estate Brokerage Industry, A Report by the Federal Trade Commission and U.S. Department of Justice, Apr. 2007” (71 pages; see pp. 12, 14, 65-66) https://www.ftc.gov/sites/default/files/documents… [cited by applicant]
Justice Department Reaches Settlement with Consolidated Multiple Listing Service Inc., Settlement Will Result in More Choices, Better Services, and Lower Commission Rates for South Carolina Consumers, Department of Just… [cited by applicant]
The Changing Real Estate Market, Hearing Before the Subcommittee on Housing and Community Opportunity, Jul. 25, 2006 (82 pages; see pp. 6-9, 18, 50-52); https://www.gpo.gov/fdsys/pkg/CHRG-109hhrg31541/pdf/CHRG-109hhrg31… [cited by applicant]
Justice Department Sues National Association of Realtors for Limiting Competition Among Real Estate Brokers, Sep. 8, 2005 (2 pages; see pp. 1-2); https://www.justice.gov/archive/atr/public/press_releases/2005/211008.htm. [cited by applicant]
MX v Lendingtree Memorandum of Opinion Jan. 10, 2007 (51 pages; See p. 43); http://scholar.google.com/scholar_case?case=17366566674546012158&hl=en&as_sdt=2&as_vis=1&oi=scholarr. [cited by applicant]
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The Computerization Movement in the US Home Mortgage Induatry, 1980-2004, by M. Lynne Markus, Bentley College, et al., Feb. 2005 (30 pages see pp. 1-2, 10-12, 14-16, 18-24); https://msu.edu/user/steinfie/vista/files/com… [cited by applicant]
June Cash Home Sales Drop Below 30% for First Time Since 2007, by Paul Ausick, Sep. 27, 2016, 247wallst.com; (3 pages, see pp. 1-2) http://247wallst.com/housing/2016/09/27/june-cash-home-sales-drop-below-30-for-first-ti… [cited by applicant]
Zillow.com Analytics—Market Share Stats & Traffic Ranking (Jan. 2017), Total Visits 172.10M, Avg. Visit Duration 00:07:34; (2 pages see p. 2); https://www.similarweb.com/website/zillow.com. [cited by applicant]
Realtor.com Analytics—Market Share Stats & Traffic Ranking (Jan. 2017) Total Visits 58.60M, Avg. Visit Duration 00:08:00; (2 pages, see p. 2); https://www.similarweb.com/website/realtor.com. [cited by applicant]
Redfin.com Analytics—Market Share Stats & Traffic Ranking (Jan. 2017) Total Visits 26.50M, Avg. Visit Duration 00:05:12; (2 pages, see p. 2); https://www.similarweb.com/website/redfin.com#overview. [cited by applicant]
Zillow.com 2,025 Homes for Sale, Dallas, TX (Feb. 18, 2017); (1 page); https://www.zillow.com/homes/for_sale/Dallas-TX/_type/38128_rid/50000-_price/189-_mp/globalrelevanceex_sort/32.895011,-96.611881,32.739783,-96.94696… [cited by applicant]
Mortgage Rates Today—Compare Home Loan Rates at Bankrate.com, Dallas, TX (Feb. 19, 2017); (9 pages; see pp. 2-7); http://www.bankrate.com/mortgage.aspx?type=newmortgage&market=1077&propertyvalue=350000&loan=280000&perc=… [cited by applicant]
“First-time Buyers Account for 60 Percent of Purchases,” DSNews, May 24, 2017 (2 pages, see p. 1); http://www.dcnews.com/news/05-24-2017/first-time-buyers-account-60-percent-purchases. [cited by applicant]
U.S. Appl. No. 13/784,574, Non-Final Rejection dated Aug. 30, 2013. [cited by applicant]
U.S. Appl. No. 13/784,574, Final Rejection dated Sep. 24, 2015. [cited by applicant]
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U.S. Appl. No. 13/784,574, Final Rejection dated Jul. 12, 2017. [cited by applicant]
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Reiner, C. (May 29, 1994). Your Dream Home, Online—You Can House-Hunt Now by Computer, With Help From a Real Estate Agent: [Final Edition]. Seattle Times Retrieved from https://search.proquest.com/docview/384268407 ?acc… [cited by applicant]
Golden, C. (Mar. 9, 1997). There's a world of real estate help online: [1,2 edition]. The San Diego Union—Tribune Retrieved from https://search.proquest.com/docview/271551788?accountid=14753 (Year: 1997). [cited by applicant]
Compensation lawsuits could ‘explode’ MLS status quo, RealEstateNews.com, Jul. 26, 2023; 6 pages (p. 3); As copied of the internet Jul. 28, 2023. [cited by applicant]
CRMLS CEO Talks Bright Partnership, New Platforms, Lawsuit Perspectives and Future Tech, RISMedia Dec. 16, 2022; 7 pages (p. 4); As copied of the internet Jan. 3, 2023. [cited by applicant]
Two Largest Multiple Listing Services in the Country Form Alliance, RISMedia Feb. 10, 2022; 6 pages; (p. 2;) As copied off Internet Jul. 25, 2022. [cited by applicant]
Zillow testing major changes to Premier Agent program, Zillow to pilot invitation-only Flex model in two metro areas, RealTrends, Apr. 21, 2022; 6 pages; (pp. 2-3). [cited by applicant]
Diana Sievers, Simplifying the Homebuying Process for Consumers, Real Estate Agents, and Title Providers, Qualia.com, Jan. 25, 2021; 7 pages; (p. 2). [cited by applicant]
Realtor.com® Selects Qualia to Deliver Simplified Digital Home Closings, Realtor.com, Jan. 25, 2021; 3 pages; (p. 1); As copied off the Internet Nov. 16, 2023. [cited by applicant]
John Thibaudeau Rachel Zimmerman, One-Third of Recent Homebuyers Still Don't ‘Shop Around’ for Mortgages, Fannie Mae, Nov. 18, 2022; 3 pages (pp. 1-3); Copied of Internet May 5, 2024; https://www.fanniemae.com/research-… [cited by applicant]
Alcynna Lloyd, LendingTree: First-time homebuyers struggle to navigate home lending, HousingWire.com, Apr. 24, 2019; https://www.housingwire.com/articles/48874-lendingtree-first-time-homebuyers-struggle-to-navigate-home… [cited by applicant]
NAR survey shows Realtor business, income continue to improve, NAR, www.mtdemocrat.com, May 14, 2013; https://www.mtdemocrat.com/home_source/nar-survey-shows-realtor-business-income-continue-to-improve/article_7e373c5e-… [cited by applicant]
Brooklee Han, The Super App is here—and it's called Zillow, HousingWire, Feb. 13, 2024; https://www.housingwire.com/articles/the-super-app-is-here-and-its-called-zillow/ 6 pages; (1-4), Copied off the Internet May 1, 20… [cited by applicant]
Rismedia Staff, From Portal to Brokerage Zillow Takes Massive Next Step Into All-in-One Real Estate Services, RISMedia, Sep. 9, 2020; https://www.rismedia.com/2020/09/23/from-portal-to-brokerage-zillow-takes-massive-nex… [cited by applicant]
Brooklee Han, Zillow's ‘housing super app’ vision takes shape, HousingWire.com, Feb. 15, 2023; https://www.realtrends.com/articles/zillows-housing-super-app-vision-takes-shape/; 2 pages; (p. 1) Copied off the Internet M… [cited by applicant]
The modernization of real estate software, T3 Sixty and Lone Wolf Tech, Jan. 22, 2024; https://www.lwolf.com/resources/ebooks/the-modernization-of-real-estate-software/; 13 pages; (pp. 1-2) Copied of the Internet Apt 1,… [cited by applicant]
Jack Caporal, Average American Household Debt in 2024: Facts and Figures, The Motley Fool, May 20, 2024; 19 pages; (p. 1) Copied off Internet Jun. 5, 2024; https://www.fool.com/the-ascent/research/average-household-debt… [cited by applicant]
Dave Gallager, Zillow shutters closing and title division, Jun. 28, 2023; 5 pages (pp. 2-3); RealEstaeNews.com, as copied off Internet Jan. 1, 2024. [cited by applicant]
Nat Levy, Zillow CEO Rich Barton wants to build 'Microsoft Office for real estate' by adding title, escrow and possibly moving services, GeekWire, May 9, 2019; 6 pages (pp. 1-3) as copied off Internet Jun. 14, 2024; htt… [cited by applicant]