Electronic loan origination services; Providing personal loans and lines of credit; Financing loans for consumers and businesses; Analyzing and evaluating credit risks; Financing loans for individual consumers and large and small businesses; Analyzing and evaluating credit risks; electronic loan origination services; electronic loan preparation services; financial loan consultation; financial services, namely, arranging of modified loan terms designed to prevent home foreclosure; home equity loans; loan financing; mortgage lending; mortgage procurement for others; mortgage refinancing; Providing personal loans and lines of credit financing loans for individual consumers and large and small businesses; Providing a web site featuring temporary use of non-downloadable software for loan underwriting, fraud detection, volatility forecasting, account management, loan collections, and credit evaluation and monitoring; Providing a web site featuring temporary use of non-downloadable software to allow customers to access loan accounts and lines of credit information and transact loan related business; Providing a web site featuring temporary use of non-downloadable software for filling out and submitting loan and line of credit applications and for managing and paying on loans and lines of credit