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

A computing apparatus with improved centralized computing processor and database configuration in connection with facilitating a home sale transaction, the apparatus comprising:

• a centralized computing processor and a centralized database;
• the centralized database containing data including:
• home data pertaining to a plurality of homes offered for sale by a plurality of home sellers;
• with the home data at the centralized database being individually customizable from a geographically remote computing device via the network;
• loan data which enables the centralized computing processor to provide loan pricing data for a plurality of loans;
• with loan data at the centralized database being individually customizable from a geographically remote computing device via the network;
• with the centralized database being responsive to requests for data from the centralized computing processor;
• the centralized computing processor configured to:
• generate a webpage including a composite webpage on an Internet website to communicate data electronically with a geographically remote home buyer computing device via a geographically distributed computing network;
• receive, electronically via the network from the remote home buyer computing device, a request for data;
• the request for data including a home criteria and a request for loan pricing data;
• provide a plurality of filtering processes in response to the request;
• the plurality of filtering processes that:
• select from the centralized database, home data pertaining to a plurality of homes conforming to the request for home data criteria;
• select from the centralized database loan data pertaining to a plurality of loans;
• associate the selected loan data pertaining to a plurality of loans with the conforming home data;
• and
• apply a plurality of loan pricing processes to:
• data in the request for data and the associated home data and loan data;
• compile and transmit electronically via the network to the home buyer computing device display:
• a webpage including a composite webpage on the Internet website that displays filtered home data pertaining to a plurality of homes conforming to the home purchase criteria;
• and
• filtered loan pricing data for a plurality of loans conforming to the loan pricing processes for purchasing at least one associated filtered conforming home;
• whereby the computing apparatus improved display, network, computing processor, and database configurations more quickly and easily provide home buyers with filtered home data and more accurate filtered loan pricing data for purchasing a filtered home without leaving the Internet website.

A computer implemented method using improved display, network, processor, and database configurations in connection with facilitating a plurality of home sale transactions on a home sale Internet website;

• the improved method including the steps of:
• maintaining a shared computing processor;
• the shared computing processor in communication with:
• a plurality of geographically remote home buyer computing devices using a shared Internet website via a geographically distributed computing network and a shared database;
• with a home buyer remote computing device including an input device configured to receive user input and a display device graphical user interface to display a composite webpage on the shared Internet website;
• with data in the shared database including:
• home data pertaining to a plurality of homes offered for sale;
• loan data which enables the shared computing processor to provide loan pricing data for a plurality of loans;
• home sale transaction data;
• and
• data for formatting and displaying a composite webpage on the shared Internet website;
• wherein home data, loan data, and home sale transaction data in the shared database can be entered and modified electronically from a geographically remote computing device via the computing network;
• with the shared processor being responsive to a plurality of simultaneous or near simultaneous requests from the plurality of remote home buyer computing devices in real time or near real time;
• receiving electronically via the network, by the shared processor from a remote home buyer computing device, a request for data that includes a request for home data and a request for loan pricing data;
• the request for home data including at least one of a home:
• location, price and type criteria;
• and the request for loan pricing data including at least one of a home buyer:
• down payment and income data;
• providing, by the shared processor, a plurality of filtering processes in response to for the requests;
• the plurality of filtering processes including executing shared computer code for:
• selecting from the shared database, home data pertaining to a plurality of homes conforming to the request for home data;
• selecting from the shared database, loan data pertaining to a plurality of loans;
• selecting home sale transaction data from the shared database;
• associating the selected loan data, home sale transaction data, and selected conforming home data;
• and
• applying a plurality of loan pricing processes to:
• the data in the request and the associated home data, loan data, and home sale transaction data;
• the plurality of loan pricing processes for providing loan pricing data for a plurality of loans for purchasing a filtered associated conforming home;
• selecting, by the shared processor from the shared database, data for formatting and displaying a composite webpage on the shared Internet website;
• compiling and transmitting electronically via the network, by the shared processor, including to the home buyer computing device display, a composite webpage on the shared Internet website that displays:
• filtered home data pertaining to a plurality of homes conforming to the request for home data;
• filtered associated loan pricing data conforming to the loan pricing processes pertaining to a plurality of loans for purchasing at least one filtered associated conforming home;
• and
• filtered associated home sale transaction data;
• wherein the filtered associated loan pricing data includes a loan amount and a periodic loan payment;
• whereby the computer implemented method using improved display, network, processor, and database configurations provides a home buyer with filtered home data, loan pricing data, and transaction data for purchasing a home more efficiently without leaving the shared Internet website.

A computer implemented method using improved display, network, computing processor, and database configurations in connection with facilitating a home sale transaction on an Internet website;

• the improved method including performing the steps of:
• providing, by a computing processor in communication with a plurality of geographically remote computing devices via a geographically distributed computing network, a webpage including a composite webpage on an Internet website to one or more of the plurality of geographically remote computing devices including a remote home buyer computing device;
• the one or more of the plurality of geographically remote computing devices including the remote home buyer computing device configured with a display device graphical user interface to display a webpage including a composite webpage on the Internet website;
• receiving by the computing processor from the remote home buyer computing device using the Internet website webpage including composite webpage, one or more requests for data;
• the one or more requests for data including home purchase criteria and a request for loan pricing;
• transmitting, by the computing processor, the requests for data to a centralized processor for filtering data;
• retrieving by the computing processor filtered data from the centralized processor for filtering data;
• the filtered data including:
• filtered home data pertaining to a plurality of homes offered for sale conforming to the home purchase criteria;
• and
• filtered loan pricing data conforming to the request for loan pricing;
• the filtered conforming loan pricing data pertaining to a plurality of loans for purchasing an associated filtered home;
• transmitting to the remote home buyer computing device display a composite webpage on the Internet website that displays:
• the filtered home data pertaining to a plurality of homes conforming to the home purchase criteria;
• and
• the filtered loan pricing data pertaining to a plurality of loans for purchasing at least one associated filtered home;
• and
• receiving by the computing processor from the remote home buyer computing device a selection of a filtered home, a selection of an associated filtered loan, or both;
• whereby the improved display, network, computing processor, and database configurations enable home buyers to more easily and quickly search for filtered home data and more accurate filtered loan pricing data for purchasing a filtered home without leaving the Internet website.

A improved computerized method for providing filtered loan pricing data;

• the method including the steps of:
• receiving, by a shared computing processor for providing filtered loan pricing data, a request for filtered loan pricing data from a remote home buyer computing device using an Internet home search website;
• the request for filtered loan pricing data including:
• an asking price and a location for at least one home offered for sale selected by a home buyer from a plurality of homes offered for sale conforming to a home buyer home search request on the Internet website;
• and
• home buyer data including at least one of a:
• down payment, income and debt data;
• executing, by the shared computing processor for providing filtered loan pricing data, shared computer code for providing a plurality of loan pricing filtering processes on:
• the data in the request for filtered loan pricing data;
• and
• loan data pertaining to a plurality of loans provided by at least one of a plurality of geographically remote lender computing devices that provide loan data to the shared computing processor for providing filtered loan pricing data;
• and
• transmitting, by the shared computing processor for providing filtered loan pricing data to the remote home buyer computing device for display simultaneously on a composite webpage:
• filtered loan pricing data pertaining to a plurality of loans including a loan amount and a periodic loan payment for the at least one home buyer selected home offered for sale;
• and
• data pertaining to the at least one home buyer selected home offered for sale;
• whereby the improved computerized method for providing filtered loan pricing data provides a home buyer with more accurate filtered loan pricing data more efficiently on a composite webpage.

A computing apparatus with an improved shared computing processor configuration in connection with providing filtered loan pricing data to a home buyer;

• the apparatus comprising:
• a shared computing processor configured to:
• receive a request for filtered loan pricing data from a remote home buyer computing device;
• the request for filtered loan pricing data including:
• an asking price and a location for at least one home offered for sale selected by a home buyer from among a plurality of homes offered for sale on an Internet home search website conforming to a home buyer home search request on the Internet home search website;
• and
• home buyer data including at least one of a:
• down payment data, income data, and debt data;
• execute shared computer code to provide a plurality of filtering loan pricing processes on:
• the data in the request for filtered loan pricing data;
• and
• loan data pertaining to a plurality of loans provided to the shared computing processor by a geographically remote lender computing device from among a plurality of geographically remote lender computing devices that provide loan data to the shared computing processor;
• and
• transmit, to the remote home buyer computing device for display simultaneously on a composite webpage:
• filtered loan pricing data pertaining to a plurality of loans;
• the filtered loan pricing data displayed on the composite webpage including:
• a loan amount and a periodic loan payment for one or more of the plurality of filtered loans;
• and
• data pertaining to the at least one home buyer selected home offered for sale conforming to the home search request;
• whereby the improved shared computing processor configuration provides a home buyer with more accurate filtered loan pricing data on a composite webpage more efficiently.