There are several reasons why sellers and their agents are reluctant to accept mortgages from a .com company. In completing a real estate transaction, there needs to be a single point of contact to follow up on dates. In PA, the agreement of sale is loaded with dates that if are not kept, put the contract in default. When there is not a single point of contact (as is typical in .com mortgage companies), dates can slip on appraisals, mortgage commitment, etc. that can cause the deal to fall through. Neither buyer nor seller wants that to happen. Another frequent occurrence is for the closing date to be pushed back - in fact, there have been instances where the .com mortgage company said they couldn't fund the mortgage at all and this was at the closing table. I'm sure there are instances where the deal has settled successfully, but the track record is not good. When people make life altering plans - moving, purchasing a new home, etc., no one wants the deal to fall through. I would suggest that if you want to use a .com mortgage company, you have a local mortgage company as a back up. That way, if there is a problem, the local company can run with it. The best plan of action, though, is to get your mortgage through a local company. Ask your Realtor to recommend some that he/she has had good success with.