$_GET = Array
(
    [loan] => refinance
    [property-description] => unset
    [credit-report-estimate] => 7-9
    [submit] => Continue
    [page] => 1
)

---

<?php

$form='<form action="check.php" method="POST" name="page1">
	<div><label>Type of loan:
		<select name="loan">
			<option value="loan-unset">Pick one</option>
			<option value="refinance">Refinance loan</option>
			<option value="purchase">Purchase</option>
		</select>
	</label></div>
	<div><label>Property description:
		<select name="property-description">
			<option value="property-description-unset">Pick one</option>
			<option value="single">Single family</option>
			<option value="multi">Multi-unit</option>
			<option value="townhome">Townhome</option>
			<option value="condo">Condominium</option>
		</select>
	</label></div>
	<div><label>Credit report estimate:
		<select name="credit-report-estimate">
			<option value="credit-report-estimate-unset">Pick one</option>
			<option value="10">10 (Perfect credit)</option>
			<option value="7-9">7-9 (Excellent)</option>
			<option value="5-6">5-6 (Average)</option>
			<option value="3-4">3-4 (Late payments)</option>
			<option value="1-2">1-2 (Foreclosure)</option>
		</select>
	</label></div>
	<div>
		<input name="submit" type="submit" value="Continue"/>
		<input name="clear" type="reset" value="Reset this page"/>
	</div>
	<input name="page" type="hidden" value="1"/>
</form>';

echo '<pre>'.print_r($_GET,true);
$form = explode("\n",$form);
foreach ($form as $i => $line) {
	foreach ($_GET as $var => $val) {
		$old = 'value="'.$val.'"';
		$new = 'selected="true" value="'.$val.'"';
		//echo str_replace($old,$new,$line)."\n";
		if(strchr($line,$old)) $form[$i] = str_replace($old,$new,$line);
	}
}
echo '</pre>';
foreach ($form as $i => $current) {
	echo $current."\n";
}

?>