One of the livelier panel discussions at the recent Mortgage Bankers Association annual convention in San Francisco concerned whether, after years of hype, the “e-mortgage” is finally about to become a reality. Bill Moody, president of Lenders First Choice, a provider of title and settlement services, summed up the view of many when he said: “The problem is not that the technology is not there. It’s getting people to adopt it, and it is perception,