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By using Artificial Intelligence and a Consortium Ethereum blockchain network, the HFC platform streamlines the entire mortgage process. This significantly reduces the average time to close while increasing customer confidence and understanding in the mortgage they are buying. HFC’s Artificial Intelligence technology eliminates the need for mortgage loan officers and originators while allowing loan processors and underwriters to handle a higher volume of mortgages. The security and transparency provided by blockchain and enforced by smart contracts completely eliminates the opportunity for fraud in the mortgage process.