Ive worked at variouse brokers and lenders over the last 10 years and all of them had some form of an application fee. from one man broker shops to national lenders and commercial banks. some took the money up front as a way to offset costs incurred to process your loan and cover those costs until your loan closed, others charge and take the money at the closing. but all had one. Anyone below who says otherwise is mistaken. It is usually best to find a lender that does not take the money of front because it does give the lender/loan officer leverage over you through out the process. if customer service drops after they get the money you will not easily divert to another lender out of fear of losing the money you gave. this money is usually not refundable. If you need any assistance in being pre approved or with your loan feel free to email me your contact info and I will gladly assist you.