Using computer network by a previous loan loan resale (auction-style) service relates to device and method. The present invention according to previous loan loan resale (auction-style) a device service Previous loan is connected to computer network self operating at least one computer having in a computer system that mortgage loan by a previous loan for in device for providing, for to mortgage from the electronic commerce web site so loan (a) electronic mortgage application and a secured loan data and to said computer means after ; (b) said computer over network for mortgage said computer said estate evaluation materials to input a means for allowing ; (c) said real estate evaluation based on material prior to said secured means for determining an approval of mortgage loan ; (d) when the previous loan, at least said for mortgage loan evaluation amount comply with the previous loan electronic including said computer over network : sending means for sending a consumer after determining loan; and (n) with the request conditions loan comply with the previous loan estate mortgage loan assessing the high priority are evaluated by determining a loan contents auctioning method including means for resale by characterized in that.