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Have you ever applied for a home loan or refinanced your existing home loan? If you have, you know that it can be a long, tedious, and frustrating process. Often there’s too much time spent on the process, an abundance of paperwork to sign, too many fees, and there are too many people involved. By the end of the process, you may even wonder why you bothered in the first place. The process is much too cumbersome. This makes me wonder if anyone in the banking or mortgage business has asked the question, “How can we make this process easier for the customer?” If they did, maybe the entire process would be overhauled and simplified. Granted, they have many legalities that necessitate all the paperwork but, in my mind, everything can be simplified and improved if you put yourself in the shoes of the customer and streamline every step.