i.    Setting appointment

                                        ii.    Mortgage interview

                                       iii.    Obtain credit reports

                                       iv.    Preliminary credit decision

                                        v.    Appraisal

                                       vi.    Flood

                                      vii.    Title

                                    viii.    Mortgage closing

                                       ix.    Funds disbursements

                                        x.    Enter into mortgage loan system

                                       xi.    PMI

                                      xii.    Record mortgage

                                    xiii.    Sell mortgage

                                    xiv.    Service mortgage

1.    Escrow accounting

2.    Property taxes