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.
When undertaking an attic or third floor renovation, consider using a crane for the heavy materials. For about $500 a day you can rent a small crane or lift. It can easily handle heavy materials like lumber and drywall, not to mention hot tubs. They can boom out about 42 feet, enough to get to the top floor of most homes.