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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 530 fico scores. However, your credit history must be in pretty good shape for the last 6 months. No late pays in the last 6 months, and a pretty good reason for the low credit score.