"We can't even get an address to sue them," said Norman Googel ...But it has not been easy. In West Virginia, where payday loans are illegal, state officials have aggressively gone after Internet operators that try to do business in their state. Based on the benefits listed above, online mortgages may be the best type of mortgage for you. Generally, mortgage brokers who conduct their business online charge lower fees compared to traditional brokers. What's more, online rates are updated everyday, thus keeping you aware of the changes in interest rates.