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1. Do I need to pick the property I want to buy before I fill out the application? Answer
2. What does it cost to submit a loan application? Answer
3. How long does it take to close a loan from application? Answer

Q : Do I need to pick the property I want to buy before I fill out the application?
A : No. You can fill out the application first and once your loan is approved you can make changes up to the the time your loan rate is locked-in.
 
Q : What does it cost to submit a loan application?
A : Nothing. You can submit your application and become pre-approved without incurring any cost. However for a more complete review of your credit report and income documentation the fee is approximately $218 - application fee and credit report fee. This amount will be credited to closing costs.
 
Q : How long does it take to close a loan from application?
A : We can close a mortgage loan within 30 days. However outside factors can affect the ultimate date. For example: sellers cannot move out that quickly, timely receipt of required documentation, scheduling problems with all parties required at closing etc.