Providing direct and/or brokerage services for the collection and relaying of information about, and securing orders or payments in connection with such orders for residential home mortgage financing and refinancing, and business and residential long distance services, including networking, consulting, frame relay services, and point to point telecommunications. Purchases and orders for those services may be in person or by means of computer network, a global computer network, by mail, courier, telephone and facsimile, including creating, maintaining, and providing access to an electronic data base.