Communication system and method between a home buyer, seller, strategic business source, and lender

A computer for allowing a mortgage lender to act as a gateway to a computerized system that provides real estate listing information comprising:

• a) a processor;
• and
• b) a non-transitory, tangible computer readable medium containing programming instructions that program the processor, the programming instructions comprising:
• i) programming for creating in an electronic database operated by the computer the following database records:
• (1) buyer records,
• (2) agent records, and
• (3) lender records;
• ii) programming for creating associations in the electronic database by creating database relationships that associate:
• (1) a selected buyer record with a selected agent record, and
• (2) the selected agent record with a selected lender record;
• iii) programming for storing buyer data including a buyer search criteria for the selected buyer record in the electronic database;
• iv) programming for providing:
• (1) a selected buyer interface that allows access to the computer to a buyer identified by the selected buyer record, and
• (2) a selected lender interface that allows access to the computer to a lender identified by the selected lender record;
• v) programming that:
• (1) withholds access in the selected buyer interface to desired real estate listing information until the selected buyer record is activated,
• (2) presents, through the selected lender interface, the buyer data for the selected buyer record,
• (3) receives, through the selected lender interface, a request to activate the selected buyer record, wherein the selected buyer record cannot be activated except through the selected lender interface,
• (4) activates the selected buyer record after receiving the request to activate, and
• (5) after activation of the selected buyer record, grants access to the desired real estate listing information to the selected buyer interface.

A computerized method for allowing a mortgage lender to act as a gateway to a computerized system that provides real estate listing information, the computerized method comprising:

• a) distinguishing between access to the computerized system by a first buyer, the mortgage lender, and a first real estate agent;
• b) presenting through the computerized system a buyer interface to the first buyer, a lender interface to the mortgage lender, and an agent interface to the first real estate agent;
• c) receiving buyer data concerning a first buyer, the buyer data including first buyer search criteria;
• d) withholding access to desired real estate listing information responsive to the first buyer search criteria from the buyer interface until the first buyer is activated;
• e) presenting the buyer data including the first buyer search criteria, through the lender interface to the computerized system;
• f) after presenting the first buyer search criteria through the lender interface, receiving a request to activate the first buyer through the lender interface, wherein neither the buyer interface nor the agent interface can activate the first buyer;
• g) after receiving the request to activate, activating the first buyer;
• h) after activation of the first buyer, presenting to the buyer interface access to the desired real estate listing information responsive to the first buyer search criteria.