<prompt> Human: I see innumerable TV commercials telling me how easy it is to get a mortgage these days. I can do it in my underwear on my laptop. I can do it at 3 am using a phone app.I dont get it. If I am considering taking on perhaps hundreds of thousands of dollars in debt, Id kinda like to think about it a while, and perhaps talk to someone in person about it.And really, how many time in my life am I really going to take out a mortgage? Twice, three times? I find it hard to believe anyone would really WANT to do it many more times than that. So, the chance of me installing an app and using it more than once seems vanishingly small.So, whats the point? Are they just taking advantage of people who have drunk too much and are up too late? Or are their really people who need to take out mortgages all the time?  <response>: As someone whos currently getting a mortgage, I wish I could do it at 3am in my underwear. The amount of paperwork involved is actually a pain in the ass. 