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.
Save time searching for your tools by organizing your workshop. Use your wallspace for good visibility and easy access. Open shelving is great for storing heavy tools and organizing shop hardware. Drawers are a good place for smaller tools and especially sharp ones. Make sure your working surfaces are large and free of clutter.