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1. What does it cost to submit a loan application? Answer
2. What if my credit is less than perfect? Answer

Q : What does it cost to submit a loan application?
A : Nothing. You can submit your application and become pre-approved for a loan without incurring any charges. Later on, fees may be incurred for a property appraisal and eventually closing costs.
 
Q : What if my credit is less than perfect?
A : We have programs that can go as low as 600 fico scores. However, your credit history must be in pretty good shape for the last 12 months. No late pays in the last 6 months, and a pretty good reason for the low credit score.