The Internet is often the first place mortgage seekers turn to research how much they can afford and to get rate quotes. But many borrowers say they wouldn’t mind if the entire mortgage process moved online—and for some, that’s becoming a reality.

Of recent home buyers surveyed by Discover Home Loans, 36% said a mortgage process without any phone calls or meetings with the lender or broker would be much easier. Seventy-one percent of the 1,003 people surveyed said they’ve already submitted lender documents through email, apps or websites, 54% filled out online mortgage applications, 50% scanned and submitted closing documents and 47% got prequalified for a mortgage through a lender’s website, according to the survey results.

“The use of technology has come a long way, and it’s an exciting time,” said TJ Freeborn, senior manager of customer experience at Discover Home Loans. “Technology can be used to research lenders, research the type of loan that may be most applicable…and can be used to interact with the lender of choice.”

E-signing and e-consenting options have also made it easier for customers to sign off on documents, and it’s often easier to follow up and make sure mortgage bankers receive those emailed documents—as opposed to relying on traditional mail service or faxing paperwork, she added.

“Ten, fifteen years ago, we didn’t have these options,” Freeborn said.

Another company, Lenda, around since the fall of 2013, takes the process completely online.

“You get a rate quote customized, then complete the application online and electronically sign disclosures, before uploading needed documents,” said Jason van den Brand, co-founder and chief executive of the company.

Handling a loan online leads to a more efficient process, he said, and that translates to lower costs and fees for borrowers—as well as shorter closing times, the company claims. You also can follow the status of your loan online at any time, unlike having to call a banker for updates, he said. Currently, Lenda only works with mortgage refinances and operates in California. This month, it will expand to Oregon and Washington.

Getting a mortgage entirely through online communication is particularly appealing to millennials, who—over the next decade or so—are expected to graduate into their prime home-buying years, van den Brand said.

Another study of 1,325 mortgage borrowers from Fannie Mae found that in addition to being younger, recent mortgage borrowers are more educated and earn higher incomes than prior mortgage borrowers—and are “significantly more likely to use the Internet when managing personal finances and shopping for a mortgage.”

As for now, however, most people are doing business the traditional way, at least some of the time, according to the Discover report. Some 94% of home buyers said they communicated with their lenders by phone and 67% said they met in person, the survey found.