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1. A method comprising:
entering into by a lender a loan agreement with a borrower, wherein the lender loans a loan amount to the borrower; and fully funding by the lender the loan at closing, including:
electronically transferring a first portion of the loan amount to at least a first account of the borrower; andelectronically transferring a second portion of the loan amount to at least a second account of the borrower,
wherein the first portion and the second portion to the loan amount,wherein the first portion is immediately accessible to the borrower for use by the borrower, andwherein the second portion is accessible to the borrower upon authorization from the lender.
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