Software as a service (SAAS), sold on a subscription basis, featuring software for providing a mortgage point of sale (POS) and for use in customer relationship management (CRM) and for use in loan origination by enabling users to apply for new loans; Software as a service (SAAS), sold on a subscription basis, featuring communications software for use by others for connecting mortgage brokers to loan processors; Provide platform as a service (PAAS) featuring computer software platforms for use in communications for mortgage brokers and contract loan processors and processing companies to connect and interact on mortgage files all the way through closing through computer networks; Platform as a service (PAAS) featuring computer software platforms for calculating loan origination fees with built-in pricing engine; Software as a service (SAAS) featuring software for providing residential mortgage loan pricing