When you turn in your application, you'll be required to pay a loan application fee to cover the costs of underwriting the loan. This fee pays for the home appraisal, a copy of your credit report, and any additional charges that may be necessary. The application fee is generally non-refundable.
Many people find bamboo flooring very attractive. It looks similar to regular wood flooring, but it is harder and more durable. Bamboo has a short growing time, so it is a rapidly renewable resource. Most bamboo flooring contains trace amounts of formaldehyde; one brand that does not is Bamboo Hardwoods, and Teragren contains very low levels.