A system and method completely eliminating the tasks and responsibilities of the mortgage broker, loan officer, and Federally Chartered Banks in the mortgage loan process, thus transforming the Consumer/Borrower's (Consumer) Personal Computer into a Personal Mortgage Company (PMC) establishing a consumer "do-it-yourself" mortgage process bestowing the Consumer the ability and control to complete all processes needed to complete a mortgage loan, from application to closing. Within the system is an automated mortgage monitoring environment initiated each time a Consumer enters the loan environment and for amplified consumer security and confidence; Quality Control stations which monitor and records conversations between the Consumer and the consumer service representative, plus keystroke and ID recording of any consumer service representative that intervened on a loan, and a State and Federal regulator portal which allows financial audits in complete anonymity 24 hours a day, 7 days a week, 365 days a year remotely.