Since just 2003, it's estimated that residential mortgages taken out online have totaled $100 billion a year on average.

Now you know many of the names of the online companies, so I won't mention them.

But you also need to know that one of the web's premier sites is not being sued. Claimants contend that some lenders don't honor the rates that are posted there.

To be sure you don't get baited and switched, here's how to protect yourself.

1. Check www.ripoffreport.com or www.bbb.com for concerns about individual lenders.
2. Don't compare interest rates of the offers; rather compare the annual percentage rates. The APR includes discount points and other charges for a clearer picture and truer comparison.
3. And most importantly, be willing to walk away from a deal if the lender isn't living up to his promises.

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