Whether you're shopping for garden tools or international travel, the Internet lets you research products, compare prices and purchase online with a few clicks. Researching and applying for a home loan is easier than ever, too, as banks and online lenders make online mortgage centers part of their Web sites. These online centers have several advantages.

Convenience: With everything you need to know about home loans in one place you can check current rates, calculate payments, learn mortgage terms, find answers to Frequently Asked Questions, choose a lender, apply for your mortgage, and get approved - all online.

Flexibility: Online mortgage centers offer more flexibility, too. You can visit anytime and as often as you want. Do your research now and come back when you're ready for more.

Not sure if you need a fixed rate or adjustable loan? Fifteen-year or thirty? Start with a glossary of terms to learn the differences between the different types of loans. Then check available loan programs, rates and fees to be sure you understand all the costs. Compare payments using the online calculator. Print out an application to review. Many sites even let you start the application, then come back when you are ready to finish it.

Online mortgage centers let you review all your choices, and select the right loan for you. Some even let you choose your lender.

Security: When you apply online, your private information is completely safeguarded. Encryption technology secures your on-line loan application information. And no one can access your application without your password. If you forget your password, a reminder process maintains your security while ensuring you have access to your own information.

Fast: Online mortgage centers make applying for your mortgage fast and easy. Follow the step-by-step instructions and you could be approved in as little as 15 to 20 minutes. Pre-approval can speed-up your real estate purchase too, with fast authorization and paperwork.

Check your bank's Web site for an online mortgage center, and see how easy getting a home loan can be.

For more information, contact Pam Racz, Vice President of Residential Lending at Riverside Bank, at (800) 741-3283, Ext. 63611, or visit www.myriversidemortgage.com.

This article was submitted by Alan Boggs, Riverside Bank President in Brevard County.