By the nature of your questions I can see that you need two things;
Contact the Lending Arm of your choice: BofA, Wells Fargo, etc... Then again many Buyers feel more comfortable with a Mortgage Banker or Broker like Ivy Scott of Franklin Loan Center (760) 399-6654. AA referral from someone you respect to a professional they respect is worth it's weight in gold. It is absolutely essential to ensure a successful and timely contract acceptance by being pre-qualified with a letter evidencing same available to your Real Estate Agent or Realtor; and
You need a Great Realtor who can assist you with the intricacies of a contract and answer all your questions. If you are not working with anyone at this time, I ask that you check my recommendations here in Trulia and consider being the next success story in my history.