A bundled mortgage package which includes several different features into a mortgage package, so that the process of actually obtaining a mortgage from a lender can be easier because the borrower's worries of the fees, charges, and other costs can be reduced or altogether eliminated since such fees charges and other costs may be combined, waived or otherwise resolved for the borrower is described. The lender may waive all lender fees, pay all 3rd party fees, and not require a lender's title policy. The lender may use the owner's title policy as the sole title insurance. A lender may not require mortgage insurance, waive fees associated with programs for borrower protection for involuntary unemployment or accidental death, guarantee that the loan will close within a certain period of time where the lender pays the borrower money if the loan doesn't close within the certain time period.