14:I[5014,["/_next/static/chunks/11d1gk4m2o846.js","/_next/static/chunks/14mrh2-p_w84d.js","/_next/static/chunks/40y9lkvta2o_p.js"],"default"] 15:I[38392,["/_next/static/chunks/11d1gk4m2o846.js","/_next/static/chunks/14mrh2-p_w84d.js","/_next/static/chunks/40y9lkvta2o_p.js"],"PracticeCard"] 17:I[70570,["/_next/static/chunks/11d1gk4m2o846.js","/_next/static/chunks/14mrh2-p_w84d.js","/_next/static/chunks/40y9lkvta2o_p.js"],"ExamAppearanceBadge"] 16:T54f,Complete Sentence: You can arrange a mortgage online, over the phone, or through a meeting.

On the phone vs Over the phone:
The phrase "on the phone" means that someone is using a telephone. The following examples show how "on the phone" is used:

→ Please do not interrupt your mother while she is on the phone. [= while she is using the phone]
→ Can you please turn down the TV? I am on the phone.
→ He was on the phone when I arrived at his house so I let myself in.

The phrase "over the phone" means that something is done using the phone as a way to do it. The following examples show how "over the phone" is used:

→ She told him the news over the phone. [= she used the phone to tell him the news rather than telling him in a letter or in person]
→ I am able to pay my bills over the phone so I don’t have to write checks.
→ We ordered take-out over the phone before driving to the restaurant to pick it up.

অন্যদিকে,
- Phone শব্দটির পূর্বে by বসে। কিন্তু the phone এর পূর্বে over/on বসে।
- By phone: The company can be reached by phone on this number.

Source: Britannica Dictionary.